23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : COMMERCIAL TRADE INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This has been going on for years that I keep getting letters for a debt with XXXX. It first started on XX/XX/14 with XXXX XXXX XXXX. I filed a complain with CFPB on a debt I have never had and on XX/XX/14 XXXX sent CFPB a letter that I have never had an account with XXXX. Then on XX/XX/14 I received a letter from XXXX XXXX XXXX stating I owed this debt from XXXX. I filed a complaint here and XXXX XXXX XXXX killed the collection notice. Now yesterday I received a letter from Convergent Outsourcing XXXX Inc. saying I owe {$680.00} for a credit card I have never had. Attached you will see all my previous letters I have received and the letter from XXXX. I have also attached the new letter I received yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE THESE 2 ADRESSES. THEY ARE NOT MIND.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , INC ) for inadequate customer service and unfair practices that violate the consumer financial protection ACT ( CFPA ) 12, U.S.C 5531 ( a ) Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected which constitutes a unfair and deceptive act or practice under the CFPA.

Furthermore cash app dispute resolution was both unfair and deceptive, they failed to comply with the error resolution requirements mandated by the electronic fund transfer ACT ( EFTA ), U.S.C 1693f, and its implementing regulation, regulation E, 12, C.F.R 1005. 11 Thee laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash APP failed to meet these obligations. These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal laws.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase ccount when Coinbase began. I am continuously locked out of my account for one reasoning or another. This time I have not been able to access my account since XXXX. I have sent email after email to their support. I have called. I even opened a Coinbase wallet to try and access my funds that way but to no avail. I am fed up. They say no two factor authentication, to which I even sent them what they asked for ad copy of my driver license. Nothing. I'm still locked out. I can not see my balance which was at over {$500.00} in XXXX. This is not fair nr right. I shouldn't have this problem accessing something of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I don't owe anything to JEFFERSON CAPITAL SYST with account number XXXX. They should have confirmed this from the Original Creditor 12 XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, 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. 


XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX # XXXX and XXXX XXXX XXXX # XXXX Violations Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXXXXXX XXXX ACCOUNT # XXXX i had a late payment on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XXXX.Please investigate and provide proof with a statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

I noticed discrepancies in my credit report under 15 USC 1681c-2, with unauthorized hard inquiries listed. Please eliminate these errors as they harm my credit score.
Product: Debt collection

I received a letter dated XX/XX/2019 informing me of a date breach. When I called the number provided I reached a call center that told me they can not give me any details on the issue and gave me another number to call. When I called that number, it was a continues loop that just kept saying your estimated wait time is 7 minutes. 29 minutes later an operator picked up the phone. She would not give me any info. Would not tell me what card info was exposed or what information was at risk.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XX/XX/2024
Product: Debt collection

I received a phone call from a XXXX at Premium Assests Services on XXXX/XXXX/2016 while at work concerning a debt though a Payday loan service. I informed here that I have never had a payday loan and not to contact me at work as I work at a XXXX. They then contacted my parents. I have no idea how they received that information. I have asked them several times not to contact me over the phone and to send me a debt validation letter. To date, I have not received this letter. Today, XXXX XXXX, from Premium Asset Services, called my place of employment and spoke to the HR director giving him my SSN, DOB, and address. This is a breech of my personal information and a clear violation of the Fair Debt Collection Practices Act. I want these people to stop these collection practices without me even knowing what the debt is in the first place.
Product: Debt collection

I requested for it to be removed because of identity theft and I got no resolution on the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I received notification via my credit alert service with XXXX that my credit had been run by XXXX XXXX. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX XXXX, I received a notice in the mail from the XXXX XXXX of the incident  and also discovered that the XXXX XXXX also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Product: Credit card

I recieved a call from Barclays today about a rebill on a card which has been closed since XX/XX/XXXX. I am unclear on why this rebill has been allowed and on why I am unable to dispute it. I was told that past phone calls have not been returned because an employee was on vacation. I was also told that Barclays lost ( at least XXXX ) dispute letter which I sent in. 
I also asked for clarification on XXXX more disputed charges. One involved XXXX XXXX. One involved a XXXX XXXX XXXX. Barclays refused to provide me with information on these disputes, to explain where they are in the process of disputing them, or to credit my account. 
Finally, I asked for access to all phone calls, or transcripts thereof, that Barclays claims I had with them. Barclays claims that I approved a rebill. I do not recall doing this. They also have, in the past, lost materials related to the XXXX above disputes. Both of the above disputes ( XXXX XXXX and XXXX XXXX ) were initially called in within 60 days of services not being rendered. Barclays seems to have unclear records on this matter. 
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and XXXX XXXX.
Product: Mortgage

I had a legal dispute with America 's Servicing Company and received a judgment against them, in my favor. The company is still reporting missing payments even though the legal, federal judgement prohibits them from doing so. This needs to be corrected on both my XXXX and XXXX accounts.
Product: Credit reporting or other personal consumer reports

Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the information on my credit report. According to 15 USC 1681, I never gave written consent to [ Credit Bureau 's Name ] to furnish or obtain my personal information.

As per the Fair Credit Reporting Act, " No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Since I did not provide written consent to [ Credit Bureau 's Name ], I have reasonable grounds to believe that the credit bureau has obtained and furnished my information inaccurately. 
I request that you investigate this matter and remove any inaccurate information from my credit report as soon as possible. Please provide me with written confirmation that the disputed items have been removed or corrected. 

Thank you for your prompt attention to this matter.
Product: Student loan

XXXX XXXX suggested that I reconsolidate my loans when I got behind several years ago. So I did because they were threatening to garnish my wages. I narrowed $ XXXX for school, now I owe over $ XXXX. Once I consolidated all those fees and penalties became principal and I could never afford to make my full payments. I know there was a lawsuit against them for doing exactly what they did to me. What recourse do I have and how do I know if Im part of this lawsuits?
Product: Credit reporting, credit repair services, or other personal consumer reports

My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. I learned via XXXX XXXX that I had a new credit card on my Equifax report on XX/XX/XXXX. The credit card was from a bank in XXXX XXXX I had never heard of called XXXX XXXX XXXX   ( FDIC XXXX ). It turned out that this bank had only used Equifax to approve the credit card even though the applicant had provided an address in XXXX, FL. A city and state I have never visited, let alone lived in. Instead of Equifax flagging this as possible fraud, they just changed my address to the address in XXXX. I have been working with the bank and filed an FTC report to have the fraudulently filed credit card resolved. In the meantime, I have asked Equifax on 3 occasions now ( 2 via website and 1 via phone ) to have the address removed from my credit report address history. I have sent them copies of bills and identifying information showing that my address in Utah is current and valid and has been for several years. They send me reports that show they have deleted the address, but then instead of deleting it, they just moved back the month I had apparently moved to XXXX ( first from XX/XX/2018 to XX/XX/2018, then when I filed the dispute again they moved the date from XXXX to XXXX ; one of these dispute forms they sent me is the attached document ). Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on XX/XX/18 with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX and XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent letters to the 3 CRAs ( XXXX, Equifax, and XXXX ) on XXXX, about reporting inaccurate and incomplete information on my credit report. Per 15 USC 1681, all information being reported must be 100 % accurate and complete before reporting or Deleted. I have attached copies below
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

# # # Disputed Information : - **Account Name** : XXXX XXXX XXXX - XXXXAccount Number*XXXX : XXXX - **Account Type** : Auto Loan - **Date Opened** : XX/XX/XXXX - **Status** : Paid, Closed as of XX/XX/XXXX - **Payment History** : Past due XXXX, XXXX, and XXXX  days in various months # # # Dispute Reason : According to 15 U.S.C. 1681b ( Section 604 ), a consumer reporting agency is restricted to providing consumer reports only under certain permissible purposes. It appears that the account information listed above does not adhere to these permissible purposes and may have been reported without proper authorization. This account, in particular, should not be part of my credit file as I did not authorize this information to be reported. 

# # # Requested Action : I request that the following actions be taken immediately : XXXX. Investigate and verify the accuracy and authorization of the information reported by XXXX XXXX XXXX. 
XXXX. Remove any unauthorized or inaccurate information related to the above-mentioned account from my credit report. 
XXXX. Provide a written confirmation once the investigation is completed and the necessary changes have been made. 

# # # Enclosures : To assist with your investigation, I have enclosed the following : XXXX. A copy of my credit report highlighting the disputed information. 
XXXX. A copy of my identification. 
XXXX. Any relevant documentation that supports my claim. 

Please acknowledge receipt of this dispute and initiate an investigation into this matter at your earliest convenience. Under the Fair Credit Reporting Act, you are required to complete your investigation within XXXX  days of receiving this dispute. 

Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure. 

They have 15 days to show me what method was used for their investigation. 

And they are reporting the name an inaccurate name on the same account. My wife 's name is XXXX XXXX and you are reporting XXXX  and I have no idea who that person is, that information is inaccurate and needs to be removed under According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), Prohibition on Reporting Information with Actual Knowledge of Errors : ** - As per Section 623 ( a ) ( 1 ) ( A ), 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX XXXX -Date of inquiry : XXXX XXXX -Date of inquiry : XXXX XXXX XXXX -Date of inquiry : XXXX
Product: Checking or savings account

I opened a new Citibank Savings Account on XX/XX/XXXX, via the online application process ( see the confirmation email attached ). 

I did not receive my debit card in the mail so I contacted Citi to inquire about the pin for my account, as it was supposed to arrive in a separate mailing and it never came to my mailbox. I was also unable to link my new savings account to my existing Citi credit card account, so I could not access my account online to make my initial deposit into this payment account. Citi agreed to resend my debit card on XX/XX/XXXX ( see attached email confirmation ). 

I called Citi again on XX/XX/XXXX, at XXXX XXXX to inquire again about the missing pin and they were able to assist me in setting one up over the phone. I had received my physical debit cards in the mail to my home USPS address on this day and so I finally linked my new savings account to my existing Citi credit card account and made my initial payment deposit of {$1200.00} online. 

My deposit was shown on my Citi Savings Bank Statement as being placed by a Teller at XXXXXXXX XXXX on XX/XX/XXXX, for my previous day 's online deposit ( See attached bank statement ). 

On XX/XX/XXXX I received two emails from Citibank stating that my debit card was now unlocked and activated ( see attached emails ). 

On XX/XX/XXXX, my statement shows that a cash withdrawal was made from my savings account at XXXXXXXX XXXX for the exact same amount as my initial deposit- {$1200.00} ( See attached bank statement ). I did not make this withdrawal and was unaware it had happened until I checked on my account online two days later to discover it. 

When I found the withdrawal online on XX/XX/XXXX, I was still in possession of both of my debit cards and had still never received the pin letter via USPS. I called Citi at XXXX XXXX and spoke for 32 minutes to report this fraudulent event and try to resolve it. I was told that an investigation would be started and it may take up to 10 business days until I hear back from Citibank with any update. 

I called Citi again on XX/XX/XXXX and spoke for 27 minutes because I had not received any communication from them online, via email or through USPS. The Citi agent I spoke to found that my zip code was incorrect in their system ( showing XXXX ) instead of my actual zip of XXXX. He corrected this and requested that a letter immediately be resent to me from Citibank via USPS, informing me that I must sign it within 10 days to confirm that I want to pursue this fraud investigation and that I am being completely honest in my statements. An email with my confirmed zip code address is attached. 

I did receive the letter from Citibank via USPS, immediately signed the paperwork on XX/XX/XXXX, and returned the stamped mailing to Citibank in the next day 's XXXX mail pickup from my home. See attached Statement of Unauthorized Use ( accidentally dated XX/XX/XXXX instead of XX/XX/XXXX ). 

On XX/XX/XXXX, I received a letter from Citibank dated XX/XX/XXXX, stating that my claim was declined and found not to be fraudulent. ( See attached letter ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the each of the accounts directly violated my FEDERALLY PROTECTED CONSTITUTIONAL RIGHTS to privacy & confidentiality under : - US CODE 15 USC 16.81Sec . 602A. ( states the CONSUMER has the RIGHT to PRIVACY ) - US CODE 15 USC 16.81Sec . 604A. ( states the REPORTING AGENCY MUST OBTAIN the CONSUMERS PERMISSION ) - US CODE 15 USC 16.81C-A Sec.5 ( SHALL NOT release ANY adverse INFORMATION, OTHER THAN records from convictions of crimes which ante date the said report by more than 7 years. ) - US CODE 15 USC 16.81S-2 ( A ) ( 1 ) ( states the said REPORTING AGENCY SHALL NOT share information with the idea some info is or could potentially be inaccurately displaying information... )