23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am filing this complaint against Navient for repeatedly contacting my workplace, including my colleagues, managers, and organizational executives, regarding my personal student loan. These actions have caused significant distress, and I view them as harassment. Despite my efforts to handle this matter privately, the company has escalated the situation by involving my professional contacts, which jeopardizes my reputation and employment. I have requested multiple times that all communications be directed to my personal email or phone, but Navient has disregarded these requests. This behavior is unprofessional, invasive, and has created unnecessary tension within my workplace. 

I am seeking a resolution that prevents Navient from contacting my workplace or any professional colleagues regarding my personal matters. Additionally, I would like to formally request a cease-and-desist order to stop this harassment immediately.
Product: Debt collection

After reviewing my report, I see that Waterfall Revenue GR, has account status " open '' on my credit report. The original creditor is XXXX XXXX XXXX XXXX. They sold the debt to " XXXX XXXX  '' both creditors were added to my bankruptcy and discharged in 2017. I contacted WRG and they informed me the debt was open and the amount was over XXXX. They further informed me that they are now operating under WRG which is formerly XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a verification of the debt. I have requested validation verification of the debt without any respond.
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off Inquiry : XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : FXXXX 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 Account Name : DEPT OF ED XX/XX/year>
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 XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : 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

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a XXXX XXXXXXXX XXXX account that has two late payments which is affecting my fico score. This is not true and this account does not appear on my XXXX or XXXX reports. On XX/XX/2021 I disputed this with Experian it took them only a few days to falsely varify the information. This information is wrong and I spoke with the original creditor and the have no knowledge of that account. This XXXX XXXX XXXX account is harmful and I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was improper use of credit reporting, Ive Notice several fraudulent inquiries on report one happening on XXXX XXXX XXXX bank, Another reported on XX/XX/2023 XXXX bank and on XX/XX/2023 Georgias own credit. Please have removed at earliest convenience, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS   XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Credit card

I bought an A/C in XXXX through XXXX and I got a credit store financed with Wells Fargo under a Promotion for 18 months with a 0 % Apr, ended in XX/XX/XXXX. For that reason I was making enough additional payments to my account to pay the debt in time before XX/XX/XXXX .... Also, when a customer wants to make payments " on time '' take extra precaution so I did and set up the automatic payments to " pay on time '' meaning not missing any " due date ''. However, I made extra payments to reach the amount before the promotional interest has ended. But Wells Fargo was not taking the extra money I was putting into my account because I had the autopayment set up, and just the minimum amount of this system was accepted and no additional payments were accepted. Yes, I believed I was making additional payments for many months, but in the reality they were not processing those payments. So, at this point it looks to me that this a " tricky system '' Wells Fargo is using to overdue payments, and in my case they won a " deferred interest ''. This tool is doing the opposite because is not letting the customer make payments " on time '' the automatic payment is there to help customers, and it has to be an " useful tool '' and Wells Fargo ' s system is not doing that. How do they think a customer can reach their total balance on time if they do not let customers pay extra payments other that the minimum amount with this automatic system they have. 

My original debt was {$4900.00} in XXXX was a balance of around {$500.00}, they applied the deferred interest of more of {$1500.00}. When I called The first time to Wells Fargo I did not realize about this issue with their system, worry about this situation I was trying to move this debt into another account due the high interest they also applied 28 %. As always taking care of my finances. But it is when I realized " why '' the total debt was not paid " On time '' so the representative admited she could see I was making " those unsuccessful additional payments '' due to their system and admited it was their fault. So she reduced the debt saying that was all her system let her do, I ended paying around {$800.00} just for the " deferred interest '' Is it not fair.
Product: Mortgage

I paid Wells Fargo {$690.00} on XX/XX/2021, as part of a refinance application. An appraisal was done on my home. Since applying, it became clear that Well Fargo was not going to be able to complete the refinance, so I switched to another lender. The new lender needs the appraisal, proof of payment, and AIR certification ; Wells Fargo will not release the XXXX  two, making the appraisal unusable. I have a XXXXday rate lock with the new lender, so there is a time constraint here. The new lender insists Wells Fargo is legally obligated to release these items ; Wells Fargo disagrees. Obviously, I cant afford to sue Wells Fargo. Please help.
Product: Credit reporting or other personal consumer reports

I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXXXXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
Product: Debt collection

Company has refused to comply with validation of debt requests. XXXX states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XX/XX/2023. These non-validated debts are still being reported erroneously on my credit report. They have refused to comply with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Deliberately hurting my credit.
Product: Credit reporting or other personal consumer reports

Myself and my wife was a victim of identity theft. We filed a police report and have ask numerous times for this information to be removed from my Equifax credit report
Product: Checking or savings account

I sent {$300.00} on XX/XX/2022 via XXXX through Wells Fargo to XXXX for a concert ticket but it ended up being a scam. She never sent the ticket and now I am out {$300.00}.
Product: Debt collection

I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
Product: Checking or savings account

Sofi Bank Has Violated my rights UNDER the FCBA and I'm requesting {$1000.00} per each of these Violations for the XXXX disputes they have taken over 90 days to resolve while they have already taken the Disputed Amount from the XXXX that charge my account Fraudulently. I've submitted disputes over 90 days ago, after also contacting the merchant they have legally replied that Sofi has reversed the charges over 90 days Now. Sofi has not credited my account for those transactions but is keeping my funds hostage after having taken the funds already from the XXXX over 90 days ago. I've contacted Sofi bank several times providing them the evidence and statements from the company stating that they were going to refund me the unauthorized charges but they never followed up or did so which left me with no option to dispute the charges as they were charged Fraudulently. The XXXX has legally provided the attached document showing the Disputed Amount that has been reversed by sofi over 90 days ago yet sofi is holding hostage the funds. Attached are also the conversations from the XXXX apologizing and saying that they will send a check in XXXX occasions which they never did leaving me with the only option to dispute, then they legally replied after months that the charges had been reversed and they provided the other Attached doc. Their replies and documents prove they never did anything to send me a check and that sofi has taken the $ from them. The LAW CLEARLY STATES THE FOLLOWING UNDER THE FCBA AND SOFI HAS BROKEN THE LAW " Within 90 days of getting your complaint, the issuer must resolve the dispute. ''
Product: Checking or savings account

I never used this company but this merchant took out money from my account several times. I request my bank ( WellsFargo ) to step in for help. 
WellsFargo couldnt proceed further and advised me to contact the merchant ( XXXX ). Its been 4 months that I am dealing with XXXX but cant get any result beside we will update you
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX XXXX on XX/XX/year> that my social Security number was exposed in a data breach. Today ( XX/XX/year> ) I received a notice that there was a new credit inquiry from Discover Financial Services which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account XXXX, XXXX XXXXr account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C.1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching. 

Also according to their own policy in my statement about interest : " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did. 

I am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately. 

Consumers need to be aware of these shady practices by financial institutions.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I have a account XXXX XXXX XXXX is showing on Transunion and XXXX  credit reports the account was investigated and deleted off XXXX  and I have disputed with Transunion and XXXX  via letters and fax in the guidlines of my rights in section 611 and 609 of FCRA to challenge their right to report the two bureaus to follow suit and delete account off of remaining credit reports to no avail.
Product: Credit card or prepaid card

Unsolicited credit card offer ; called Capital One to request being taken off mailing list and was told that this will continue for 45 more days. Unacceptable as I have already permanently opted out from these kind of solicitations.
Product: Credit card

Since XX/XX/year>, I have requested multiple times to obtain access into my online account at WellsFargo.com to receive information regarding my account balance and to make payments for my credit card. Each time I called, I provided ample information to the customer service reps to verify my identify and they claimed they could not do so either via standard questions or more advanced questions ( such as street names of old addresses, etc. ) I could not provide the account number as I did not have access to the physical copy of the credit card and they would not order another card without identity verification. I've never had issues with identity verification with any other vendor or bank. 

The Wells Fargo reps claimed that they could not provide any solutions or support unless id verification happened. My only other option was to go to a branch in person, but the nearest Wells Fargo branch was over XXXX miles away. Since I am XXXX there can be limitations that make doing so at the very least difficult if not down right near impossible. 
When a person is XXXX they have limitations on what they can endure and this is a system that has no reasonable accommodations for the XXXX that I can find. The Wells Fargo mobile app should be accessible to all, including the XXXX, and it's not. 

After a number of attempts to connect with a Wells Fargo rep over the phone to gain access to my account, the credit card was closed in XX/XX/year> and collection attempts began. I had paid this Wells Fargo card timely for over XXXX  years as my oldest line of credit and it was very dissapointed that Wells Fargo reported my account as being XXXX days late to credit reporting agencies despite the fact that I always had a desire to pay my debit on time. 

What is most interesting is that, despite not having my account number when calling in XX/XX/year>, Wells Fargo collections was able to verify my identity and take payment to settle my account within minutes. Why was the process so cumbersome and wrought with failure during previous attempts?
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - PHH MORT SVC - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account PHH MORT SVC - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account PHH MORT SVC - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account PHH MORT SVC - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account PHH MORT SVC - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.