23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On or about XX/XX/2019, I contacted my student loan servicer, Navient, though Navient 's website, to switch the auto pay information on my two consolidated student loans to my new bank, to be effective with the XX/XX/2019 payment. I was successful in making this change through the Navient website. My monthly consolidated student loan payment with Navient has been {$230.00} since I consolidated the loans, well over a decade ago. 

On XX/XX/2019, I received a letter from Navient indicating that my loans had been " successfully enrolled '' in auto pay, and that my monthly payment would be {$230.00}, to be " automatically extracted '' beginning XX/XX/2019. ( Letter, Ex. A. ) On XX/XX/2019, I called Navient and spoke with a XXXX named XXXX. I told XXXX that there had been a mistake, that my normal payment ( {$230.00} ) ought to have been paid through auto pay for the XX/XX/XXXXpayment per my instructions, and that I was prepared to make a one-time payment to satisfy my monthly XX/XX/XXXXpayment. I further told XXXX that there was no justification for Navient to be recapitalizing any part of my loan, since I had timely given Navient the information to auto debit my XX/XX/XXXXpayment. XXXX took my bank information, and {$230.00} was debited from my bank. ( Screencap of bank website excerpt, Ex. B ). At the end of the call with XXXX, I asked her explicitly to confirm that going forward, my monthly payments starting with XX/XX/XXXX would be * $ XXXX as before, and not the higher figure Navient had quoted in its letter. XXXX confirmed this, and gave me the confirmation number # XXXX. 

On XX/XX/2019, I received an alert from my bank that Navient had auto debited my account in the amount of {$230.00} -- the incorrect amount reflecting an unauthorized recapitalization of interest. Upon checking Navient 's website, I noted that it still wrongly reflected a recapitalization of interest of {$90.00} on XX/XX/2019, and also mis-accounted for the monthly payment made through XXXX on XX/XX/2019. ( Screencap of Navient website, XX/XX/19, Ex. C ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : AXXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX to complain about the increased payment amount being taken out of my account without my authorization. I said if they adjusted the payment amount back to the original amount I would continue their services. They said no, so I asked them to cancel my account at that time. The customer service agent offered me an administrative credit of {$30.00} that would be charged for closing my account. I thanked her and that was the end of our conversation. 

On XX/XX/XXXX I received a collection notice from Nationwide Credit , Inc in the mail. As with the payment increase, I was never notified that I was was being charged or that my account was sent to collections. I have an impeccable credit rating and I am shocked that something like this can happen. 

Also on XX/XX/XXXX I called XXXX XXXX XXXX and asked what was going on and they refused to help me and I would have to resolve a situation they mistakenly put me in with the collection agency. What the XXXX is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You JEFFERSON CAPITAL SYST failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Credit card or prepaid card

A business credit card was applied for in my name while I have a fraud alert on it. An inquiry was placed on my credit and i want it removed. Spoke with Bank of America for over an hour and they refuse to remove it, even though I have a fraud alert and freeze on my account.
Product: Credit card or prepaid card

I already have filed a complaint, XXXX. I have just gotten in touch with them at Capital One and got no results from them. They said all they could do is reduce my interest from 27 % to 22 % which would not help with what I want to do by getting them paid off. I wanted a 0 % rate for 18 months to pay it off completely and not wanting to hurt my credit score. They provide no help in even reducing it a considerable amount. 

My thing is, when you pay a {$230.00} payment and only {$70.00} goes to what you actually owe, maybe it is time for the Government to step in because this is highway robbery and they get away with it. It is awful ... I am on a fixed income, SS retirement and work part time. I just want to lose me as a customer, but don't offer any help with getting the interest low enough. 

XXXX XXXX
Product: Debt collection

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/2021 and sent a notice and pulled it again on XX/XX/XXXX and noticed an auto loan that is being reported. This auto loan is categorized as an " experience '' I initially had with XXXX XXXX of XXXX XXXX and then with US Bank so reporting it publicly to XXXX, TransUnion and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), because they werent involved in this private matter, and this is a violation specifically of 15 USC 1681a ( 2 ) ( a ) ( i ). Because Ive already sent a previous notice to the furnisher or creditor, this is also a violation of 15 USC 1681s-2 : responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy  rights, and would like these hard inquiries removed completely from my credit file :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling this company for weeks have left messages trying to get my consumer report frozen. They do not call back & continue to report inaccurate information due to identity theft. All other consumer agencies have responded. I am requesting my consumer reports frozen.
Product: Credit card or prepaid card

My citi bank credit card that I had a {$4400.00} credit limit dropped my credit limit to {$800.00} the month our world was devastated with the pandemic & shut down & stocking up on vital medications & necessities Were Perative. Decreasing my limit in the amount of {$3600.00} when I needed to buy essentials & needed my credit card in an emergency situation & I had not one time been late or ever missed a payment in all the years I have had this credit card. They would not tell me why they did this or why The huge drop & they wouldnt correct it & change it back
Product: Credit reporting or other personal consumer reports

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX Department of Education Servicer has been forgiven. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in XX/XX/1933, I am seeking properly dispute on my credit file. 

XXXX Credit Reporting Agency is reporting my student loan as having " no data for this period, '' while the loan has been forgiven. 
XXXX has indicated that the debt has been verified and reported as accurate on my credit file. 
In accordance with House Joint Resolution 192 Policy, all debts have been paid in full, including the student loan that has been forgiven. 
The reporting of " no data for this period '' is causing confusion and adversely affecting my creditworthiness. 
The conflicting reporting of the student loan status is damaging my credit profile, and I request the immediate correction of this information on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is violating of my rights as a consumer, they have not validated the debt but continue to report to the credit reporting agencies FDCPA Section 809 ( b ). Also, they are in violation of FDCPA Section 807 ( 8 ).

Telling me that the account was opened with a valid contract is not validating a debt. Where is the contract?
Product: Vehicle loan or lease

I have already paid at least XXXX for the vehicle, I believe 2016 XXXX XXXX. the repossessed the car in the middle of the night, and sold it for XXXX they are reporting on my credit report I owe them XXXX please help me. Santander Consumer USA. My last name was XXXX at the time. ( divorced now ). 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX   was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.
Product: Mortgage

The bank created an ESCROW account coupling my monthly mortgage payments with the water and sewer charges making it impossible to make the monthly payments.
Product: Debt collection

The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
Product: Credit reporting or other personal consumer reports

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To Whom it may concern, Good evening Transunion XXXX how are you doing today? Im wonderful! On XX/XX/XXXX File number XXXX you Verified these accounts Accurate. The following accounts have been in Collections since ( XX/XX/XXXX ). Since then the accounts have repeatedly been updated as a collection every month. This is an update in the payment history which to my understanding collection accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX Best Regards, XXXX XXXX
Product: Checking or savings account

I am writing to formally complain about U.S. Bank 's refusal to process three of my financial applications due to my inability to provide a physical address, which I am not required to have under applicable regulations. 

Since XX/XX/XXXX, I have been traveling full-time and do not maintain a permanent physical address. I rely on a mail-forwarding service to manage correspondence and financial matters, which is a valid option under Know Your Customer ( KYC ) regulations for individuals without fixed addresses. 

However, U.S. Bank informed me that their policy requires a physical address. I spoke with XXXX from U.S. Banks customer authentication department today ( XX/XX/XXXX ) and previously contacted the department on one other occasion ( just before XXXX ). XXXX refused to escalate the issue or request an exception to this policy and did not provide any alternative solutions. 

This refusal has caused significant hardship : - I have been unable to purchase online services essential to my non-profit organization, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which hinders its operations. 
- I can not properly separate personal savings from tenant security deposits and my fathers rental property funds, complicating accounting and compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

PLEASE DELELETE IS ACCOUNT NOW XXXX XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXX/XX/XXXXT Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 to get inaccurate information removed. Most was removed. I then paid them XXXX each XXXX  I had XXXX. The ad promised 3-4 months I stayed in credit repair a year and a half. Still paying dues. After losing everything trying to pay them more because supposedly I had a lot of work to do. They stated we gone take care of you. Then they started avoiding me and my calls. I was XXXX XXXX XXXX XXXX. Referring people to them for credit and they still never paid me my referral fees. I decided to take my story live. They called the police had me put out of the salon for {$50.00} both rental on the Friday it was due.MY credit went from XXXX XXXX for XXXX and XXXX. I HAVE disputed everything I dont recognize BUT what I did recognize is their addresss and numbers on applications and my credit profile.. I HAVE PLACED A LOCK ON ALL OF MY INFORMATION. I Have not APPLIED FOR ANYTHING BUT A REFRIGERATOR AND THATS WHEN I FOUND OUT they are using their information on my profile. I Have disputed every detail with all 3 credit bureaus and will disputed with all consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, XXXX, and Equifax. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain entries in my TransUnion credit file that are inaccurate, incomplete, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I request that TransUnion REMOVE or UPDATE the following items and provide me with a detailed response of completion as required by law. I have contacted Transunion multiple times without corrections made, only to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate. 

XXXX  XXXX the payment history and the date last active is inaccurate. 

XXXX XXXX XXXXXXXX the date last active for each bureau is inaccurate.