23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a significant amount of student loan debt. Over the past few years I would call Navient for assistance regarding my account, how to effectively pay down debt, while at the same time still have money for all other necessities, bills, and various monthly payments. I am a XXXX, and combined my husband and I make a decent salary. Navient would come back with an exorbitant amount to pay. I would express there is no way we can afford $ XXXX a month and they would respond urging a deferment or forbearance, without discussing any other options or possibilities. Being that I was stuck between a rock and a hard place I would agree, and am now facing over {$100000.00} in student loan debt and it is terrifying. My husband and I work hard, and strive to maintain excellent credit. Navient is now affecting my credit rating. I call to discuss my situation and end up speaking with a representative who is typically very difficult to communicate with, and never offered any real solutions. Why is it that I ca n't say we can afford to pay {$300.00} a month and that be acceptable? Would n't they rather have something than nothing? It 's no wonder so many are defaulting-we are set up for failure. Any assistance or advice you may have would be greatly appreciated. Sincerely, XXXX
Product: Debt collection

Collector calls multiple times a week and repeatedly calls my place of employment even after I told them not to call my office. Leaves messages saying that they " must hear back from you by the close of business '', insinuating that there will be consequences. They have also started charging monthly interest which was not in my agreement for the original debt. I have received un-wanted attention from my management team at work regarding outstanding personal debt and for using company phones for personal business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear agency please help me Im not responsible of those inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, XXXX, and TransUnion in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, zero public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports
Product: Checking or savings account

On XX/XX/XXXX, US Bank Collections Department illegally ( without a Court Order ) and without my consent debited my personal checking account ending in XXXX, in the amount of {$2000.00} ; for an outstanding collection balance due from a non-related commercial business account ( Midwest XXXX XXXX ) that I was linked to as a registered agent from XXXX, account ending in XXXX and that the they said had been written-off in XXXX. I was merely a registered agent of the incorporated business from XXXX and am not financially liable for any debts owed by that company under the laws of State of Illinois and United States of America . I contacted US Bank Collections on XX/XX/XXXX, via phone and spoke to Supervisor XXXX within the US Bank Collections Department. I explained that I was not associated with the business entity anymore, that I had never received any prior notice about the debt and that they had made a mistake by illegally seizing the funds from my personal checking account without a Court Order. I asked them twice to return the funds to my personal account as it had caused me severe financial harm and I was unable to support my living ( couldn't afford food, medical or basics ). He informed me that I did not meet the hardship guidelines set by the bank and that they would not return the funds. 

On XXXX, XXXX, XXXX, I submitted a complaint to the CFPB regarding this matter. Complaint # XXXX. 

On XX/XX/XXXX, US Bank replied to the complaint and blatantly admitted that they intentionally violated FDCPA ( Federal Law ) by illegally seizing funds held by a registered agent of a Corporation ( not funds of the Corporation ), without written notice as required under Section 27 of their terms set forth within the agreement they provided. The company also did not provide proof of evidence of an original signed and executed Agreement, between the Parties, showing that they had any right to collect the debt for which they claimed they were owed. The company is clear violation of various State Statues and Federal Acts, and all information received will be forwarded to the appropriate State Attorney General and United States Attorney Generals ' Office for review. 

I am asking that is matter be re-opened an an investigation be completed, based on the new information provided by the Respondent.
Product: Credit reporting

Fraudulent inquires have posted to my credit file I did n't NOT Authorized I should have police reports on file with company as I 'm an victim of ID Theft this is FRAUD and I 'm demanding these Inquires be removed ASAP!
Product: Credit card or prepaid card

My husband is the primary on our JC Penney account but never uses it. We have had this account for 10 years in perfect standing. I use the credit for clothing for my school age son mostly. In XX/XX/XXXX or XX/XX/XXXX I discovered our credit limit had been lowered from {$400.00} to {$200.00} without notice because my credit monitoring agency informed me that this action adversely affected my fico score. Thus, in XX/XX/XXXX I paid off the balance & have not used the card since. Now I find out the account has been closed. Again, without warning or provocation. I called to find out why & was unsatisfied with the customer service. If my many years of faithful business is not valued and a paltry {$200.00} line of credit poses a risk to XXXX XXXX, I will NEVER shop at JC Penney again!
Product: Checking or savings account

Company has copy of complaints and occurrences which a few were in the actual branches I also have video and call logs The company has acknowledged my discrimination and now harassment due to the fact I filed a complaint they call frequently throughout the day I also had a home foreclosed on And have suffered years of hard discrimination  from the company mainly from what I see simply because of my name I even have proof of an email they sent purposely Spelling my name WRONG as a cruel joke they called me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was leaked during the Equifax XXXX break in 2017 and again in another breach with XXXXXXXX XXXX. There have been multiple fraudulent accounts opened. I have disputed these accounts multiple times with the CRAs and filed reports with the FTC for identity theft and Filed a claim with Equifax for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These accounts ( XXXX XXXX XXXX ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any correction or withdraw these accounts from my personal file ; ( AMERICAN EXPRESS XXXX Balance {$0.00} ) ( AMERICAN EXPRESS XXXX Balance {$1600.00} ).
Product: Debt collection

I am writing to dispute a late payment entry on my credit report. Upon reviewing my credit report, I noticed that there is a late payment recorded for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have transferred XXXX Euros via XXXX from XXXX to coinbase. It happened on XX/XX/XXXX. Its been 24 days and the money is not yet available in coinbase account. 

Raised 3 different cases with Coinbase. Tried contacting them by mail. No progress on it yet. I really need this amount back.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter 7 Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX, Chapter XXXX Bankruptcy - XX/XX/XXXX ( Reporting on XXXX, EQUIFAX and XXXX  )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified an account and a hard inquiry that I believe contain errors. I request an immediate investigation and correction of the following : Disputed Account : XXXX  XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Experian Hard Inquiry to Be Removed : XXXX. XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If this account and inquiry can not be verified as accurate, I respectfully request their removal from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted letters to XXXX, Equifax, and XXXX ( XX/XX/2024 ) asking them to verify the accounts that I listed belonged to me. I have yet to receive a response. They are not complying with their policies by responding within the required timeframe. I have been a victim of identity theft and I am exhausted trying to repair the damage that has been done. I am tired of being denied credit. Please help me.
Product: Credit reporting or other personal consumer reports

I have paid the amounts billed to me in under XXXX  days every month. They started showing me as over XXXX  days in XXXX and now even after XXXX more payments were made including late fees, they are showing XXXX  days past due. XXXX part of their website shows no payments since XX/XX/XXXX and then the payment history shows the made payments for XXXX, XXXX & XX/XX/XXXX.
Product: Credit reporting

Hi I sent a letter experian on the XXXX of XXXX 2015 disputing a negative item on my Experian report.I received a letter from Experian on the XXXX of XXXX saying they received a suspicious request regarding my credit report and determined it was not by me so they did not proceed with my request ( to reinvestigate the validity of the negative item and have it removed from report ) This was a way of stalling my request and keeping my credit score low.They told me to call them if I wanted this investigation to take place to call them.I called them on the XXXX of XXXX 2015 and verified that I had indeed sent in the request to investigate the negative and they assured me that they would do so.They didnt in a few days I received a letter saying it had already been investigated and they would not reinvestigate.These are stalling tactics and are discriminating against me making it impossible for me to get incorrect negative information removed from my credit report.I am sure its not the first time Experian has used these tactics and I want consumers to be aware and not to let Experian get away with these stonewalling tactics against individuals who have a right to ask the credit bureau to reinvestigate a negative item and remove it from their credit report if it is not verified within a 30 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting the following accounts that XXXX XXXX is providing falsely XXXX XXXX has the following amounts on my account as Charge-Off accounts {$19000.00}, {$5300.00}, {$8900.00}, {$36000.00} and {$10000.00}. This information is false all charge off accounts are filed with the IRS 1099 C as income not debt. Income does is not included on a consumer report. Also sharing any personal information and transactions without written consent from me the consumer is a violation of my rights unless the information is shared through an affiliate. TransUnion is an not affiliate of XXXX XXXX. 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

The information with Navy federal credit union is inaccurate
Product: Credit reporting or other personal consumer reports

I involuntarily became unemployed in XX/XX/year>. I still have no employment but provided evidence of the job seeking tasks that I am taking to become employed as requested from the Georgia Dept of Labor. It has been 5 months and they still have not released my unemployment wages because had an unethical employer that unbeknownst to me was not reporting my income for the year I was employed and committing tax evasion. This is what has caused the XXXX payment delays. All of this information has been reported to XXXX XXXX for both accounts ending in XXXX and XXXX. The insurance makes the minimum payments for me and therefore I should not have any reported delinquent. XXXX stated he sees no reporting to the credit bureaus of any late payments or delinquencies since I started this process.
Product: Credit reporting

I had XXXX hospital bills that were on my credit report for {$11.00} & {$15.00} and I should have never even been billed for these charges but it was easier to pay them then to dispute them. The charges were paid and all of the credit reporting agencies except Equifax had removed the negative credit after the charges were paid. Equifax 's system of reporting something does n't work and they want you to purchase their credit protection services so you can get items corrected on your report. I want my credit report updated properly and if Equifax can do what they want, to try and coerce people into purchasing their products, then they should n't be involved in the credit reporting business. What they are doing should be illegal and probably is. I would like to have my credit report removed from Equifax 's services. I should n't have to use a corrupt credit reporting agency.
Product: Payday loan, title loan, or personal loan

Past Complaint # : XXXX XXXX, ONLINE PAYDAY ADVANCE Am being billed, {$250.00} for a Payday Advance Loan from XXXX Online, that was never deposited into my checking account. 


I am a 'victim of crime ', Marsy 's Law, with the District Attorney 's office in XXXX XXXXo , as of XX/XX/XXXX. 

Victim of Crime XXXX District Attorney XXXX XXXX County of XXXX XXXX District Attorney 's Office. 

Victim of Identity Theft Marsy 's Law. 
XXXX XXXX Date occurred : XX/XX/XXXX IDENTITY THEFT has been reported to my XXXX CREDIT REPORT. 
XXXX XXXX CREDIT REPORT, INFO : XX/XX/XXXX A fraud alert has appeared on your credit report. 

( Please note : the presence of a fraud alert may be repeatedly reported while it is still on your file. ) Processed Date : ( XX/XX/XXXX ) Alert Id : XXXX Alert Type : Fraud Alert Date Reported : ( XX/XX/XXXX ) Comments : Statement added because consumer was a victim of True-Name Fraud. 
ALERT # : XXXX # IFCRA I would like my past due : {$310.00}, removed from my XXXX XXXX XXXX   account. 

Thank you, XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Transunion credit report and saw fraudulent reports as to a collection company XXXX XXXX with a collection balance of {$13000.00}. Please remove fraudulent reports from my Transunion credit report as to this collection company.
Product: Debt collection

My situation is that i have a Derogatory mark that is affecting my credit score, i have not been able to progress as much because this mark is really affecting me. I have now a mark by Diversified Consultants which they say i owe {$1500.00} from the Company XXXX. 

I need your help because this is not a fair debt, when i was XXXX years old i purchase internet from XXXX, months later i received a bill for some pending payments wich i already paid, i went to the XXXX store and told the person who worked there at the time, and he verified us and told me that does charged were not supposed to be there, i was really young at the time so i assumed everything was taken care. 
I am XXXX years old now, and i have this negative mark from XXXX in the amount of {$1500.00} which has affected my credit, i called the Company, and the collector Company also to dispute this issue and explain to them what really happened, and their response was that this debt is mine and i have to pay it. It is really frustating to have this mark in my credit for a debt of more tan 7 years, and i think is not fair to pay something that was not mine and supposed to be there. 
I can not afford to pay this, the Company has not given me any options and dont want to help, i really need this to be settled and removed, i can not afford the payments and is not fair that for this i have negative marks in my credit score and history, i work really hard to help my family and pay my bills, i have been trying to ask for credit but everytime this issue comes up. 
I appreaciate your assistance, this is my last resort to solve this inconvinience. 

Thank you.