23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been making my monthly payments and the beginning of this year the payment has almost doubled. I have other loans and tried explaining that to Navient. I am a single mother of a XXXX year old so well im at work I pay for him to be at daycare not including bills which I explained to the Representive at Navient. The man took all my info and said yes your in the negative with your income and bills if I have to pay what they were asking. He said there was nothing he could do but would transfer me that it was out of his hands. I was transferred and the person did the same thing she took my info and this time asked to speak to my co signer. Well my co signer is now unemployed and my income has not changed yet there was nothing they could do for me. I do n't want to default I just want something reasonable. I understand I have to pay back. When I got these loans I was told that they would work with me. I did n't even get a job with what I went to school for I am just asking for them to be lowered. Navient does not work with you or try and understand. I am a person who is willing to make payments and not default yet they can not accommodate or be reasonable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

XXXX  Acct # XXXX XXXX XXXXXXXX XXXX account has been inaccurately reported on my credit report as a consumer debt. This account, associated with an administrative support order, should not be classified as a debt under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). This incorrect classification is misleading and has unjustly damaged my credit profile, as child support obligations are not covered by the FDCPA.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding inaccurate information on my credit report on XX/XX/XXXX XX/XX/2023 and XX/XX/2023 showing that certain accounts were either not mine or reporting incorrect information and nothing is updated only a generic response with no proof that it was actually investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is from XXXX, XXXX, FL, XXXX - XXXX XXXX XXXX XXXX. I have no idea what this is and contacted them only once and they could not find me. I explained that this is on my credit and appears to be there over a year ago and never heard of them.
Product: Credit reporting or other personal consumer reports

I have discovered accounts on my credit report that do not belong to me, and I have no affiliation with them in any way. This is not only an inconvenience but also a serious violation of my rights. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate credit report, and these erroneous entries must be rectified without delay. I demand a thorough investigation and prompt resolution of this issue. Should this not be addressed appropriately, I will pursue all legal options available to safeguard my rights.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions, my privacy has been compromised. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also identity theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within Four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

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

Equifax caused me identity theft after they got hacked in XXXX. Its been years now and equifax still refuses to assist me instead sending me a letter stating I need to mail them my id which I dont have to. After 4 years of the fraud caused by equifax I filed bankruptcy chapter XXXX on XX/XX/XXXX Chapter XXXX. Equifax has accounts on my file that say they havent been updated since XXXX which are fraud. XXXX XXXX was included on the bankruptcy petition. As was prosperity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are all discharged debts yet equifax reports these as charge offs instead of bankruptcy chapter XXXX discharged. This is against the law. None of these debts can be collected legally any further as they were discharged. I do not owe these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Money transfer, virtual currency, or money service

Venmo has let several transactions go thru that where deemed in violation of their user agreement process to the account and got one time did Venmo block, deny, or contact me to let me know that sports wagering wasnt allowed thru Venmo I havent did anything fraudulent on my account at all and Venmo did not stop any payments or deny any transactions on my sports wager for 1 year so I was under the impression that I could use my debit card on sports wager Im in a state where it is legal to bet on sports wager apps so I havent did anything fraudulent at all and all of a sudden you guys put a hold on my account on XXXX XXXX this is unacceptable why let several transactions go thru for up to 1year and now say I cant bet on any sports app and put a hold on my money that is rightfully mines and not fraudulent at all for 180 days this is unacceptable.. the XXXXt time I made a purchase on sports wagering app you guys was suppose to cut service with me right then or you guys system u say that has control and over sees the integrity of Venmo policys was suppose to alert someone and not let several of the same transactions that are so called goes against paypal and Venmo policies and user agreement go thru several times with no problem for a year Venmo was suppose to cut ties immediately thats what the policy says not wait till 1 year later and I have my whole life savings in my account to put a hold on my money for 180 days and close my account thats unacceptable. And I have PayPal and have made the same transaction and still to this day have made the same transactions on Venmo I have made on PayPal and never not once no one has said I suppose to get permission to place sports wagering bets.. PayPal and Venmo are brother sister digital transfer platforms and PayPal has yet to put a hold or block on my account I have proof that Im going to provide as well but this is so unacceptable for you guys to hold my money I demand my money right now because you guys arent holding those same user agreements and terms that both Venmo and PayPal share to the fullest this has put me in a financial hardship I have lost my car, house, job, I am currently homeless and you guys are holding anything I have left to my name for 180 days and thats unacceptable because you guys arent being fair at all this has made me sick as well and I feel that if I dont get my money as soon as possible I might die so this is very serious I am on XXXX XXXX XXXX XXXX XXXXXXXX and only have very little money left to serve on I demand you guys let me transfer my money out of my Venmo account immediately and close the account. I have attached several documents that contradicts PayPal and Venmo policy and user agreement you guys let several so called violation transaction go thru for 1year and never block, hold, or close the account until now why this is unacceptable and I demand my money be released immediately asap..
Product: Credit card or prepaid card

On the closing date XX/XX/XXXX Billing rights Statements it states If you think there is an error write to us. see Exhibit B when I wrote to that address 3 different times to XXXX XXXX TX I never got a response. Which is deceptive, also it states We can not try to collect the amount in question or report you as delinquent on that amount, that is false because American Express reported me delinquent twice one in XX/XX/XXXX and XX/XX/XXXX at those months my entire balance of {$24000.00} was in dispute and in question.They also harass me almost on a daily basis via text messages, emails and phone calls about making a payment it got so bad I asked them to please stop texting me because they did not want to talk about how can they resolve the problem they only wanted to talk about making a payment and even suspended my account for no reason. They actually got upset with me because I continue to ask for information concerning my billing statements and the fraudulent late fees charges and fraudulent increase in the trigger APR interest rates fee charges. Its also states you will not have to pay the amount in question or any interest or other fees related to that amount, which is also false, the interest rates was increased to a higher interest rate when the late fees was added the my balances, which caused my balance to be excessively high. Therefore the balance of {$24000.00} is false which occurred due to American Express rolling over a pay overtime portion balance of {$5300.00} on the XX/XX/XXXX billing statement in which that balance was paid off, instead American Express continue to roll over the pay over time portion of the above amount continuous month to month on my billing statements and often adding late fees that triggered the APR interest rate to an higher rate that increase my balance to an higher balance over a couple of years. In XXXX XXXX XXXX continue to question about my late fees, when I was never past due being a loyal paying member for over 24 years never been late making a payment and I also continue to ask why was my balance so high, with no response from American Express. I called American Express on XXXX XXXX around XXXX and spoke with XXXX in customer care services I asked her about the amount that is due on XX/XX/XXXX for {$2800.00} she immediately said I have to pay that amount on that day, I told her that amount is incorrect because it has late fees and increase interest APR rates she told me to hold on she will transfer me to a supervisor, she never came back to phone and neither did anyone from American Express returned my phone calls which this is a pattern of American Express customer care services not coming back to the call or returning my phone calls. Very bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my motor vehicle report it shows on XX/XX/2017 that I was involved in an accident. It does not show where the accident was at no fault of my own. My car was parked when another vehicle hit my vehicle. When current and future employers look into my motor vehicle report, it will look like I was driving when the accident happened and could get the employer to reject my application. Please look into this matter because it could hurt applicants from the way Checkr Inc. posted the accident in the motor vehicle report.
Product: Mortgage

Requested payoff on XXXX/XXXX/XXXX for the sale of a property due to close XXXX/XXXX/XXXX. Sent borrowers authorization, which is a Personal Representative for seller who is XXXX. The personal representative also completed forms for the payoff, ( all will be attached ). When our processor followed up all on XXXX, XXXX and XXXX/XXXX/XXXX for payoff, each time was told they have never received our authorization to speak with them, each time was re-sent. When we would call to confirm if they received, was always told we can not talk to you on this account, as we have not received third party authorization. The servicing company, Fay Servicing, has been holding us up and stopping us from getting property closed. When we contacted the representative today, XXXX was told now the account is being audited, and they can not tell us when we will receive payoff. Contact for Fay Servicing is XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on XX/XX/2022 from XXXX XXXX and on XX/XX/2022 from Credit Plus.
Product: Mortgage

Between XX/XX/XXXX to XX/XX/XXXX- I had a mortgage with Wells Fargo - during that time, I made all payment except for a few months which cause me to file for XXXX  XXXX Bankruptcy in the XXXX. I repaid all that money and at the end of my bankruptcy ended in XXXX, I was told by wells Fargo that i needed to modify my loan which i ended up owning more then i bought the house for XXXX  years prior. I tried to fight, no one seem to be able to help until I sold the house in XXXX to get out of the Mortgage.
Product: Checking or savings account

Since XXXX Ive called numerous of times to pnc. Pnc has charged me and over charged me every month since XXXX. Also says they can charge me daily overdraft fees up to {$96.00} a month. The last two months Ive not been able to pay one bill for the direct deposit I get in. The bank has taken well over half for fees. My husband been diagnosed with XXXX since XXXX and pnc is making a killing for charging me fee after fee. Then one of the calls a employee said I needed to get a job and learn how to use my checking account. When Ive been off taken care of my husband and trying to stay afloat then another employee told me how many fees been reversed and telling me Im out to get free money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX  sent me an email stating their investigation did not fix the error on my credit report because TransUnion and XXXX  companies that reported the information to them was certified. No other explanation was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}
Product: Debt collection

Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the security questions to get my report were any of my accounts. through equifax, I always have this problem with this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/20 ) I called Experian, XXXX  and XXXX. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. Experian, XXXX   and XXXX knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.
Product: Credit card

I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a certified letter to Experian to dispute unauthorized inquiries that were listed on my credit report. My dispute was received by Experian on XX/XX/XXXX. In my dispute I requested for the removal of these unauthorized inquiries. I did not authorize any of the disputed inquiries in writing or verbally. These inquiries occurred on two different dates XXXX XX/XX/XXXX & XXXX XXXX ) in a state/s where I do not reside. On XX/XX/XXXX, I received an email from Experian that stated my dispute results were ready. When I reviewed the credit report from Experian, all of the disputed inquiries were still listed. When I contacted Experian via telephone on two different occasions to find out why my dispute of these unauthorized inquiries were denied, the Experian representative responded by saying that the inquiries were proved to be valid and I needed to contact the lenders which I had already done. When I requested a copy of the description of how the investigation was conducted, Experian denied my request. I also requested copies of an application or any other documentation that shows that I authorized the lenders to obtain my credit report. Documentation should have been submitted by all of the lenders who reported these inquiries if I authorized them to obtain my credit report. Experian sent me an email on XX/XX/XXXX that stated they generate the information listed in the inquiry section from it's own business records, which they verified as accurate. This email also explained the definition of permissible purpose along with other explanations which did not apply to me. Experian denied my dispute as if the unauthorized inquiries that I disputed were proven as factual from an investigation that never took place. Experian violated the Fair Credit Reporting Act by through it's failure to reasonably investigate the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX Date Updated XXXX XX/XX/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 XXXX XXXX