23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I 'll try to make this short. Navient, and all my loans with them equal a total of close to {$80000.00} dollars. These loans consist of Private, Federal, and Department of Education. Currently I can only work PT while taking care of my mom who had a debilitating accident. Navient is refusing to work with me, even after submitting documents showing my income for a lower payment. Moreover, my college is closing soon and I was part of the private college scam.
Product: Debt collection

These collections popped up on my radar in XXXX of XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX  phone plan that I am apart of. I do not have my own XXXX XXXX plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a XXXX XXXX XXXXXXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account.

15 U.S.C 1681 Section 602H 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 instructions
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Product: Credit card or prepaid card

American Express has been charging monthly promotional balance interest fees and regular intetest fees in excess of $ 600 monthly over the past three years. I make monthly payment ranging from $ XXXX {$2000.00} and these exorbitant fees makes it impossible to pay off the balance. AMEX has not provided clear information as to what specific charges these promotional interest fees are related to so I have no way of verifing these fees are valid as per the amounts charged. They also just recently, in XX/XX/2020, lowered my credit limit witjoit notification and without explanation. I have been paying consistently on time since I first opened my accoint with AMEX an have always paid far above the minimum. These business practices are deceptive, not in keeping with the cardholder agreement, and predatory, specifically at a time when Americans are struggling financially due to the pandemic. There business practices arw incomprehensible.
Product: Vehicle loan or lease

Did not receive disclosures of sale and continue to report balance on credit report and no payment.received despite the sale and at the time the sale the balance of the loan being {$4000.00} below current market value. No balance should remain and the third party reimbursement charges are fraudulent, not reasonable and therefore illegal and therefore sale and distribution of funds was fraudulent. To date no paperwork or disclosures of how funds were distributed was provided.
Product: Debt collection

The Debt is with Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX Account # XXXX for {$220.00} Creditor is XXXX bridges and tunnels The creditor is XXXX XXXX, my son, who is an XXXX XXXX XXXX XXXXXXXX man stationed with the XXXX in XXXX on the XXXX. 

My name is XXXX XXXX and I spoke with them directly. I recognized that they could not speak to me directly about the specifics of his account. I gave the person who answered the phone the account information and let them know that XXXX was XXXX XXXX and currently XXXX overseas and asked what their company policies were for collections of XXXX XXXX, XXXX service members. The person on the phone said that he thought they were the same as any. I asked if he received any special accommodations under the Soldiers and Sailors Act or the Servicemembers Civil Relief Act. He said he did not think so. I said that I thought that the collection was supposed to be suspended till the service member got back. He said he didn't think so. 

At that point I asked for a supervisor. I got, I think his name was XXXX XXXX. I asked him for his company 's policies for XXXX XXXX XXXX service members and what process I needed to follow to show that he was XXXX. I asked if I could contact his command and get a copy of his XXXX orders. He said that he would provide no legal advice. I kept asking what their published policies were and he refused to provide them. His file has been fully noted that he is a XXXX service member. He said I would have to contact an attorney. 

I just want an opportunity for my son to be able to defend himself. He has no idea this is going on. By the time he gets back the and gets notification the debt will be {$500.00} with all the attorney fees and interest. Oh yeh he has paid these 2 toll charges but no way to prove it till he gets back.
Product: Credit card

This complaint concerns unauthorized charges on my Bank of America credit card and the bank 's failure to address and resolve a formal dispute in accordance with its legal obligations. 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a " Substitution of Attorney '' document from XXXX XXXX XXXX XXXX, effectively terminating my service agreement with them. Despite this clear termination of our professional relationship, the merchant charged my credit card the same day for {$10000.00}, citing an " overdue balance. '' This " overdue balance '' was based on an invoice I had already formally disputed with the firm. According to the terms of our fee agreement, the merchant was prohibited from charging my credit card while the invoice remained under dispute. By processing this charge, XXXX XXXX XXXX XXXX violated the terms of our agreement, making the {$10000.00} charge unauthorized and unlawful. 

Immediately upon noticing the charge, I reported it to Bank of America on XX/XX/scrub>XXXX XXXX and initiated a formal dispute. On XX/XX/year>, I submitted a detailed dispute letter to Bank of America, which included documentation of the service termination, the unauthorized nature of the charge, and the relevant clauses of the fee agreement that had been breached. 

Despite these timely and comprehensive actions on my part, Bank of America has failed to investigate the dispute adequately or provide any meaningful updates on the status of my case. This failure to act violates the Fair Credit Billing Act, which requires creditors to investigate billing disputes promptly and resolve them in a timely and transparent manner. 

Bank of Americas lack of action leaves me with no choice but to escalate this matter. Their inaction not only undermines my trust in their services but also suggests non-compliance with legal obligations to protect their customers from unauthorized charges. I demand immediate resolution of this dispute, including a full reversal of the unauthorized {$10000.00} charge, along with a clear explanation for the delays and failure to investigate this matter appropriately. 

This version emphasizes key points such as the contractual violation, the legal obligations under the Fair Credit Billing Act, and your timely actions to escalate the dispute. It also directly calls out Bank of America 's shortcomings while maintaining a formal tone.
Product: Checking or savings account

Since 2020 i have been going back and forth with USAA bank about an unauthorized checking and and credit cards opened in my name. 

the bank states that they have handle this and removed all reporting from my profiles and locked the profiles. 

they then procced to advise me that because i reported fraud on the accounts which i never opened them to began with, that if i was to ever want to bank with them that i can not because i had ID theft. 

seems to me that you are still holding me liable for a fraudulent account that you allowed to be opened without my constant. 

this violated all of my rights under fair credit reporting and civil actions. If i never had the account nor never authorized the accounts then why is the accounts stopping me from becoming a member
Product: Debt collection

The debt in question is a debt I have no prior knowledge of. I have initiated multiple disputes with this debt collection agency. The debt collection agency continues to neglect to send me any form of verification or legitimacy of this debt. I am completely unaware of the original creditor, the debt collection agency, or any account where I owe stated amount. This agency has reported this debt to all major credit reporting bureaus without my acknowledgment of said debt and/or without verifying the debt belongs to me. I do not believe this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX of 2022 I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from XXXX  XXXX, and equifax and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
Product: Checking or savings account

PNC charged my account XXXX without.my authorization or prior notification in the attempt to collect debt. 
My cresit account is 120 days past due and they tried the sneaky way of taking money out of my checking account without notifying me or asking for my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$21000.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX , XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Product: Student loan

I feel as though I 've been subjected to predatory loans as a result of taking out private student XXXX loans. My loans, nominal in nature, have been regularly paid for the past 10+years, and I have seen little to no reduction in principal balance. I feel as though this was misrepresented to me when I originally signed up for these loans.
Product: Debt collection

I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Product: Mortgage

I filed bankruptcy a few years back and when I did my lawyer didn'treaffirm my mortgage. I never knew this until I tried to refinance. 
Things changed in my life and I could no longer afford XXXX amonth. I have asked over and over with my mortgage company tohelp me to just lower the payments. I do not want to loose my housebut I am now a month behind on my payments. With the mortgagenot being reaffirmed, none of my payments show on my credit. I'mnot trying to get out of paying I just need lower payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a capital one client for over 16 years opening my first credit card account with them in XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even capital one agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Product: Credit reporting or other personal consumer reports

My ID card and social security card also my XXXX XXXX  was stolen from my car and had been miss used to open chase bank account and other things such as unclaimed money and property.
Product: Credit reporting or other personal consumer reports

Filed a dispute via XXXX major credit bureaus on XX/XX/2024 as one of my XXXX  XXXX credit cards is reporting my Last Statement Balance of {$420.00} ( that ended on XX/XX/2024 ) as my " Current Balance- which is incorrect and is negatively impacting my overall credit score. I also contacted them via phone and the representative verified that my dispute investigation was complete and the " Last Statement Balance '' was reported instead of the current balance.
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 




# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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

I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

Inaccurate accounts listed : XXXX Portfolio RC Account Number : XXXX XXXX : Portfolio Recovery A Account Number : XXXX XXXX : PORTFOLIO RECOV ASSOC Account Number : XXXX 15 USC 1681 , section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is inaccurate.

As you can see theres several inaccuracies circling throughout all 3 bureaus. According to The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Clearly this law was not followed through, if I am seeing inaccurate information on my credit report in XXXX, XXXX and XXXX.
Product: Student loan

When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.