23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has not been forthcoming with the best repayment plan options for myself and my consolidation options when I have reached out to them via chat or via telephone several times since I went into repayment in XXXX. Navient has mislead me into >5 years of making higher monthly payments and having higher interest on my loans by their misguidance of my repayment options and withholding information about possibility of federal consolidation. Per current lawsuits Navient is facing, these actions seems to have been intentional misguidance by Navient per upper management to their face to face client support. Navient never once discussed with me that federal loan consolidation may be the best option for my repayment plan. I did not know this was an option until I met with a student loan agent XX/XX/XXXX. Further, I am also skeptical at how they are calculating my monthly payment amount as it is significantly different in percentage of AGI above the poverty line from my wife 's monthly payment of federal loans which is serviced by XXXX. ( Both my wife and myself are on PAYE program and file taxes 'married filed jointly ' ). I will have to do further independent research to verify how they are possibly miscalculating my monthly payment. It appears Navient has had a corporate structure to misguide students on repayment options that are in the best financial interests of Navient and not of the students and thus breaching their obligations for which the US Government contracted with them.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase few electronics-related items at XXXX XXXX XXXX  XXXX, located in XXXX XXXX, NY. During the check-out I was going to pay the amount of {$310.00} via AmEx Gold XXXX, however after Ive inserted the card in the terminal, it showed DECLINED, so Ive decided to use another card instead that was XXXX  XXXX to pay the due. The transaction was successful so Ive left the store. However, couple days after this incident Ive noticed that both charges with identical numeric portion have been posted on my AmEx Gold and XXXX XXXX  Card on the same date. Ive addressed the issue to XXXX XXXX XXXX Customer Support over the phone and theyve promised to get back to me with a resolution, however as of today I havent been able to get any update from the merchant. For your convenience, Ive submitted proof of second charge on my XXXX  card. 


Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.
Product: Debt collection

XX/XX/XXXX the creditor and I decided on a settlement which was completed and paid as we agreed in the amount of {$1500.00}. When speaking to the lender i was explained the negative remark would of been removed within XX/XX/XXXX after the payment was successful. 

As of today XX/XX/XXXX they wouldnt agree to remove the remark on my credit when I was promised so. I'd like to make a complaint for not commiting on what we agreed on back on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 creditor ( National Credit Audit Corp ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!
Product: Mortgage

In XX/XX/1996 we got a mortgage for {$75000.00} for a new home. It has been 22 years with an average monthly payment of $ XXXX+- and the mortgage has been sold from company to company 5 different times. We are now in a financial crisis and asked for a payoff statement. This statement is more than the outstanding principal and is still over {$70000.00}. We've been paying over 20 years and did have some difficult times but home can more than 90 % of the loan still be due. I'm sorry that we were young and maybe a bit nave 22 years ago but we have definitely been toyed with by these mortgage companies. How can we resolve this? ( 22 years with avg. {$400.00} payment is $ XXXX how can they do this to us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I complained about XXXX, TransUnion & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX XXXX that states I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE 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 instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Citibank with the credit limit of {$9000.00}. Yesterday XX/XX/18 i requested a credit line increase to {$15000.00} through the mobile app. Citibank shortly approved the credit increase to {$15000.00}. I checked my credit report and found out that Citibank ran a hard inquiry that same day on XXXX  which resulted in dropping my credit score down. I did not consent to a hard inquiry nor was I notified that a hard inquiry would be made in response to my credit line increase request.
Product: Credit reporting, credit repair services, or other personal consumer reports

An identity theft report was send to the credit bureaus reporting a fraud account. They deleted the account then a couple days later it was added once again. Account XXXX XXXX XXXX ) its a different account number on equifax ( XXXX ) if it's the same account and an investigation took place and you respo ded that everything was 100 % accurate and mine how is this possible. Not of the dates match last open, balances etc I have highlighted all marks in blue. I understand I have up to {$1000.00} per violation on my consumer report. According to the fair credit reporting act. Please delete account immediately as you are violating my rights. Everything reporting has to be 100 % accurate. 
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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. INQUIRY XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX reflects on my account several times ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 an account without my written instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, i realized that my personal information was exposed in several data breaches. I have no recollection of applying for these accounts in question, and they are negatively impacting my credit report. Per section 15 USC 1681 c-2, any fraudulent accounts that did not authorize or sign a contract form must be removed from my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

During 2020, I have 5 months of late payments due to the XXXX virus outbreak. I reside in Florida which was a stay in place state. I have no late payments previous to XXXX nor after the lockdown. I requested that they review my account and they stated that it would be removed from my credit report. It has not after multiple attempts on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, XX/XX/XXXX **I AM THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS ALLEGED INQUIRY** I DEMAND THAT YOU REMOVE THESE INQUIRIES IMMEDIATELY PER : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
( a ) Amount of damages Except as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure.

( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Section 609 ( c ) ( 2 ) ( E ) of the FCRA - 0.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

Please remove these inquiries immediately for I will file a lien against your company, {$1000.00} per inaccuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( f ) Information excluded from consumer reports : Except as authorized under subsection ( b ), noconsumer reporting agencymay make anyconsumer reportcontaining any of the following items of information.

( 4 ) Accountsplaced for collection or charged to profit and loss which antedate the report by more than seven years.

XXXX XXXX XXXX  Please remove, per the consumer law listed above.

15 U.S.C. code 6802. Obligations with respect to disclosures of personal information- ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Please remove this account. This is illegal and needs to be removed immediately. I am the consumer, I have the right to say what is listed on my consumer credit report.

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was accrued in XXXX. Bankruptcy discharge happened in XX/XX/XXXX. This debt was listed as a discharged debt and was even removed from my credit report. Then on XX/XX/XXXX, this debt collector placed itself as an open collection account, even commented it was a bankruptcy account. This falls under illegal debt collection under bankruptcy protection. This was done in spite to hurt me as a consumer, 5 years after the debt was removed. Section 524 title 11 shows this as a bankruptcy discharge violation and illegal attempts to collect a debt. They had zero reason to place a collection on my credit report and was only done so maliciously.
Product: Debt collection

I am filing a complaint about XXXX XXXX XXXX. They have not provided me with documentations showing and proving they are in Fact the owner of an account they have listed on my credit report and with negative or derogatory status. 

The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for  proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. XXXX. The documents regarding the payments made on this account and validation of the amount. XXXX capital failed to validate this account. This account need to be removed immediately. XXXX capital system is violating the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. 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: Mortgage

For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.
Product: Checking or savings account

I had a Cash App account, and they closed it because there was fraud going on with it that I did not do. I asked them why they did that, and they did not answer. I feel that was wrong, and there was no reason for them to close my account. You closed my account because there were things I reported that weren't right. I keep asking why, but you gave me no reason whatsoever. Every time I send them a message they tell me they reviewing it. Still to this nothing from them. I feel that was very unfair.
Product: Credit reporting or other personal consumer reports

The following accounts I have no knowledge of opening and I have attached a FTC theft report. 
XXXX XXXX XXXX  account XXXX amount XXXX XXXXXXXX XXXX  account XXXX amount XXXX XXXXXXXX XXXX account XXXX amount XXXX XXXX  XXXX XXXX Account XXXX amount XXXX XXXX XXXX XXXX account XXXX amount XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : Please see the attached letters for XXXX and Experian. XXXX added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. XXXX just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

Experian, please remove The bankruptcy and XXXX XXXX XXXX finance. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for XXXX to update my personal statement. The phone number XXXX was correct on there and then XXXX changed it. I never asked for it to be changed. Please put it back as it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT REPORT.
Product: Debt collection

You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding referenced file agency number XXXX that part, or all, of the alleged debt is DISPUTED as embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73rd Congress 1. CHS 46-49 June 5th, 6th 1933. House Joint Resolution 192 Bankruptcy Act of 1933 strictly prohibits the commencement or continuation of any acts to collect on a debt under the Automatic Stay Provision. H.R. 1491 to provide relief in the existing national emergency bankruptcy act. Public Law 1,48 Stat 1, Public Law 10 Chapter 48 Stat 112, Public Law 73-10 40 Stat 411, Trading with the Enemy Act of October 6th, 1917 1917
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.