23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.
Product: Credit reporting or other personal consumer reports

I have reported to all entities including the creditors that this information is a result of identity theft. XXXX XXXX and Experian were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B (

15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Debt collection

Capital One is committing fraudulent activities. 
I have paid my credit card with them over more than 2 years ago. 
Capital One is selling paid off account to collection companies to make money. 
People must be aware of the criminal act of Capital One. 
I will post this on every social medial and consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove incorrect reporting of 30 day delinquent on XXXX XXXX account. XXXX in the credit department at XXXX XXXX assured me this would be corrected.
Product: Mortgage

XXXX XX/XX/XXXX - formal request made to cancel PMI on my existing mortgage XX/XX/XXXX - request denied - company sent a letter stating i could have them do a BPO or appraisal done thru them - i just had to call and pay them directly XXXX XX/XX/XXXX - paid the mortgage company {$150.00} for a XXXX XX/XX/XXXX - mortgage company sent out a realtor to perform the XXXX XX/XX/XXXX - generic letter sent ( received by me XX/XX/XXXX ) denying my PMI cancelation with no copy of the BPO of any hard numbers or facts on why it was denied XX/XX/XXXX - called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX VA XXXX XXXX requested a copy of the XXXX i paid the mortgage company for - asked why PMI removal was denied- was told i dont qualify and i am at 81 % so pay them an additional {$450.00} for an appraisal or pay them {$3700.00} towards the principal and then after its paid, do another request to remove PMI claimed he would email me a copy of the XXXX XX/XX/XXXX - generic letter received for PMI denial XX/XX/XXXX - called mortgage co requesting BPO be sent - claims it would be emailed by end of day XX/XX/XXXX reached out to the realtor that did my BPO and he sent me paperwork he submitted to the mortgage company valuing my home at {$540000.00} based off all the improvements, upgrades and work thats been done to it - told me i had to talk to the mortgage company to get the full report XX/XX/XXXX called mortgage company - csr couldnt help - said she was sending me to the escalation team since the XXXX wasnt emailed to me yet. escalation team claims they arent able to access the XXXX and they are sending my concerns up to the case management team who will review and get back to me XX/XX/XXXX XX/XX/XXXX XXXX Principal Balance owed on my mortgage {$390000.00}
Product: Checking or savings account

The XXXX XXXX XXXX has made claims that were false or deceptive and as a customer I had no idea the app was illegal. Many transactions have been sent to this company who is constantly changing there name. Id like to dispute these charges as it pertains to illegal gambling operations that are not licensed in my jurisdiction, thus violating consumer protection laws. I request an immediate investigation and a full refund for this transaction. This is not an item not received case. Its scam app who has deceitful practices and illegal gambling operations. They have no casino license. They do no age verification. There not regulated by the state of Missouri. I saw a review on a casino review website that talked about people who were scammed by this very app/ company. I can not contact them. They are doing shady things. And I just want my funds back please. Deceitful company practices. App has been removed from the XXXX XXXX XXXX. I have spent a lot of money like a fool and I hope you guys can help me recover my funds. I have uploaded documents with transactions and dates. Chime is denying my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ownership Individual Original Creditor - Company Sold-to
Product: Consumer Loan

In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.
Product: Credit card or prepaid card

First : This refers to a debit card on a Citibank checking account but your checking account form did not include " debit card fraud ''. 

On XX/XX/2019 my wallet was stolen in XXXX at approximately XXXX XXXX  XXXX time, XXXX XXXX  Eastern time. I called my banks including Citibank to notify them of the theft and was assured by all that my cards had been cancelled. 

At approximately XXXX XXXX  XXXX time, XXXX Easter time, I discovered that approximately {$2600.00} in transactions had been made on my Citibank debit card. I again called Citibank and reported this, disputing all the charges. These transactions had begun about 1 hour after my initial call to Citibank, at XXXX XXXX XXXX / XXXX XXXX  Eastern time. 

Citibank gave me a temporary credit for the fraudulent charges and said they would investigate. 

Citibank has informed me that they have decided to leave one of those charges, for {$1000.00} on my account and have debited my account for that amount. To repeat, this was a charge that occurred 1 hour after I reported my card stolen and after Citibank assured me the card was not usable.
Product: Debt collection

Same reporting on my credit. Nobody owns sold debt.15.US Code 1692 ( e ), 1692 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Business Line of Credit ( BLOC ) with Seek Capital sometime ago. The Rep I spoke with ; XXXX, asked for my social security number to check my credit and see if I qualify for the BLOC. Once he saw I had great credit he then said that because my request for the BLOC was so small, he felt it best that instead of me having a BLOC he would instead apply to numerous credit card companies for me. By doing so I would have a number of credit cards that I could pull cash from. When I objected for various reasons he said he would transfer me to someone else who would provide information on a BLOC. However, now I see a number of new inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I have been having issues with Experian 's XXXX program. I have reached out via email and a phone call. Their system is flawed and will not pickup rent, bill, or utility payments. I have tried to address this multiple times. Experian advertises that you can XXXX  your score by adding utilities and other bills. I have also sent XXXX  attachments that show I am paying bills over months.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at XXXX XXXX I attempted to log into the TransUnion online portal. I couldn't recall my log in information so I went through their process of verifying myself with my social security number as well as answering their security questions. Having successfully answered them I still received a message stating that their online portal could not verify me and I had to call customer service. I learned from the agent ( XXXX XXXX ) that my user name was not my email, transunion should have been able to send me my username without the burden of having to call them and go through several minutes of waiting to get to speak to someone. Then when I attempted to submit my dispute online I could not, it said I had to call. Since I was one the phone with the representative I asked about that and told her I have all the correspondence here and that the issue was an issue affecting my Federal Rights to housing, their inaccurate information was denying me housing, over an issue that was inaccurately reported on my account. The representative told me I had to mail my dispute I could not fax or email it and when I asked to be transferred to a manager she stated she could not transfer me to anyone I'd have to call back. It was extremely frustrating and I recalled going through that about a year ago when I contacted every other credit agency about the dispute and they removed it from my credit, TransUnion was the only one not to. After really taking my frustrations out about this with the representative and requesting a call back from a manager, then later I discovered I could finally submit my dispute online. I feel they intentionally make it extremely difficult for the consumers to dispute the information on their reports, which causes huge impacts to individuals lives like this one for example denying me for housing even though my credit rating is over 800, because of a fraudulent landlord who claimed I owed money I did not and put me into collections, instead of taking me to court and following legal action where I could have proven my case, I've been negatively affected with an adverse action which denied me housing, there are federal laws against that. TransUnion needs to stop making it nearly impossible for consumers to dispute false claims on their reports and allow consumers to use their online portal to dispute transactions.
Product: Credit card or prepaid card

Called Bank  of America credit card costumer service Nevada location on  XXXX   XXXX ,  2017  to resolve a late fee charge of {$25.00}, same day I immediately pay a certain amount of my existing bill. The lady who answered my call told that i can not get the fee back since it already happens twice. On my end, it just so happen that I forgot to log in on my due date and forgot to pay my bills on time which when i remember 5 days after i paid not only the minimum amount and that 's the reason why i called them right away for that late fee. I call them for their consideration and also ask them for help to set up auto deduction in which they cant do it for me instead they want me to do it myself. Everyone is busy and sometimes might fall on the cr ack. Got very ups et with the lady who answered my call who can not resolve the issue but argues with me. I even asked if I can speak with his supervisor but keep on arguing and did n't escalate the issue to the right person. I ended up the call closing my credit card account with them.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My husband XXXX XXXX and XXXX XXXX XXXX got laid off XX/XX/XXXX and we got behind on our mortgage payment. My husband XXXX XXXX reached out to 21st mortgage to let them know that we have been laid off from our job and need to make some kind of arrangements to get our mortgage paid. We were going on 3 months behind when we made a payment on XX/XX/XXXX. Then my husband XXXX called back on XX/XX/XXXX to make arrangements to make another payment. My husband spoke with a financial XXXX name, XXXX to make arrangements for the next payment to be made. XXXX then was asking my husband several questions and proceeded to call my husband a liar and that they should have come already and got our home from us that we were living there for free. She was very unprofessional and did not have any respect at all. My husband then informed her that as soon as we got our next unemployment check, we would make another payment... My husband reached out to 21st Mortgage again XX/XX/XXXX th to make another payment towards our loan and he spoke with a woman name, XXXX XXXX refused XXXX take a payment from us and told my husband that we had to make a payment of {$1500.00} that she would not accept a payment unless it was in the full amount of {$1500.00}. My husband told her that he has not even gotten his first check but when we received it we could pay more money to get us caught up. Our first check will not be a full check because they hold you back a week but we will continue to make payments until we are current. They are not even trying to work with us so we can pay our loan. They are very unprofessional. They have not offered a forbearance are a hardship or anything else to help us.
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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX : Balance : {$1300.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$1300.00} Account Name : BXXXX  : Account Number : XXXX : Balance : {$460.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX acct # XXXX, Equifax Acct # XXXX, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern regarding my personal information and credit report, which involves violations of MULTIPLE provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization.

Equifax is a for-profit company, and while you are regulated by the law, you are not a government entity. You are getting paid to collect and store NPI ( non-public personal information ) which is racketeering and identity theft. I have NOT authorized Equifax to collect any information on behalf of my estate, XXXX XXXX XXXX. Please furnish any agreement stating otherwise. XXXX, as defined by XXXX XXXX states, a pattern of illegal activity carried out as part of an enterprise that is owned or controlled by those engaged in the illegal activity. 
Having a subscription or a fee to obtain NPI to be used in any manner unauthorized by the man or woman is illegal. You are a non-affiliated third party who then provides information to another non affiliated third party. Section 502 ( c ) of the GLB Act strictly limits the reuse of information, that of which you are again in clear violation of.

15 USC 1681a emphasizes the importance of maintaining accurate and up-to-date credit information to promote fair lending practices and protect consumers ' rights. INCORRECT SPELLING OF MY NAME, ADDRESS, CHARGED OFF ACCOUNTS, LATE PAYMENTS, AND MUTIPLE HARD AND SOFT INQUIRIES. I did NOT complete a Social Security Administration Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. Any violation of this act can result in severe penalties under 15 USC 1681n, which includes statutory damages. Invoice is attached.

Given the circumstances, I kindly request the following actions to be taken : 1. **Removal of ALL Late Payments** 2. **Removal of all hard and soft inquiries** 3. **All addresses removed from my report except one which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. ** All student loans removed from my report** 5. **All accounts updated to paid as agreed** : I demand that the late payment entry on my credit report by all and any company on my credit report be promptly removed, as it appears to have been reported without proper adherence to the FCRA requirements.