23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There XXXX XXXX  salesman came to my door back in XX/XX/2023 selling equipment. An alarm systems for XXXX XXXX and I agree to pay for everything through XXXX, which was {$76.00} a month after that I had this company to call me and tell me that I owe them for the equipment, which I never agreed to pay them anything I was supposed to be getting everything through XXXX  I didnt know nothing about for XXXX. I never signed anything to pay them that one penny I didnt sign any contracts with Fortiva to pay them anything for that equipment because everything was supposed to be included with XXXXt at one time charge monthly then all of a sudden this XXXX company came out of nowhere saying I owe them for the equipment and I have already talked to them and told them that is wrong I did not agree to it and right now theyre still sending me information through my email trying to give me to get a credit card with them and I am not applying for it so therefore, if they dont get this fixed if you guys dont get it fixed, Im taking for XXXX to court for doing that because that is not right. They just come out of nowhere. as though I was scammed set up after I got the alarm system and here I am, theyre saying I owe them for the equipment, which they never told me anything about Fortiva XXXX I dont even know anything about that company so if we have to, I would definitely take them to court and sue them for the {$2000.00}. If they say I owe them for the equipment that I did not agree to because if that was the case, I wouldve went alone with Aty when I had already received their alarm system, and the guys came around his selling that equipment the systems I thought it was a great deal. I signed everything for XXXX all of a sudden this other company come out saying that I owe them money for a credit card. I never even said anything for them or even had a credit card with them, so look into it and asked them to show them where I signed for anything because I did not assign and agreed to pay another company for alarm system and then paid XXXX  for just for something for their services no I did not agree to do that. Just like to bill just for an alarm system and I did not agree to do anything like that.
Product: Credit reporting or other personal consumer reports

Equifax has allowed my information to be accessed by companies i never authorized or give permission to access my credit report or personal information i have had file two different identity report s and also CFPB complaints Equifax have yet to correct my information after i have notified them of this issues the have listed on my report over 9 different addresses and 15 inquiries that are not mine i have reported it to them in watering, by internet, and by phone I am not able to get the issue resolved i need assistance Equifax has had several data breaches ad i was a part of doses breaches i feel they are allowing my information to be compromised still and not properly removing inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Student loan

I had contacted Navient ( the company my loans are through ) days prior to the payment due date about lowering my payment options. The representative who helped me also took my payment for that month over the phone. Days after the due date I started receiving strange calls from Indiana and only now did they leave a message. It was an automated message and said it was about my Navient loans and to call them at a specific number. I did not call that number, as I was wary off it being a scam, so I looked at my Navient profile. It was saying that I was short a {$17.00} for my loan payment! I could have defaulted on my loans or pay an extra fee had I not checked all because the representative did not take the full amount needed for my loans.
Product: Debt collection

I 've repeatedly contacted this company advising them to provide me with verification of debt. They repeatedly tell me that they are not required to provide such debt verification and that they sent XXXX out on XXXX XXXX. I 've advised them multiple times that I did not receive this letter they sent and they refuse to provide any other. I have advised them that I am not opposed to paying what I owe, once I receive the verification of said debt. They refuse to provide this information repeatedly. They have not provided this and refuse to offer a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed credit freeze with Equifax soon after the data leak. Now I can't not get the freeze lifted temporarily. I registered user account in Equifax website as suggested on XX/XX/2020, but every time when I click on " Manage Freeze '', it shows error page. Last time I tried is XX/XX/2020. I called the company 's support phone line many times during the period from XX/XX/2020 to XX/XX/2020, but could pass its automated screening. The phone call always ended with that it can't help me and I should mail the company the document, but it failed to mention what documents and where to sent to, let alone why. Now I am stuck with Eqifax not providing credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple requests to investigate the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit card or prepaid card

I singed up for a Navy Federal XXXX XXXX XXXX. The promotion was for XXXX rewards points if I spent {$3000.00} in 90 days. I completed my portion of the agreement and continued to contact them about the reward. Finally on XX/XX/2018 I was told that I would receive the reward as the promo code was for 0 APR. I told them that they switched my code and I would never carry a balance and would not need 0 APR. 
I was on the Navy Federal website when I did this and the promotion is still on the website. There wasn't any promo that I clicked on for 0 APR. 
They switched my code and refuse to honor the promotion is signed up for, XXXX reward points.
Product: Credit card

FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Some of the mentioned accounts are erroneous concerning the reporting.
Product: Money transfer, virtual currency, or money service

I made a transfer in the amount of XXXX $ from my venmo account to my bank account and right after i got a email stating my venmo account has been closed and my XXXX $ transfer to my bank account is under review resulting in a transfer freeze or money being withheld.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ) and XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 card

In XX/XX/scrub>XXXX XXXX  a doctor who subsequently suddenly shuttered her practice after she lost her license charged my care credit credit card for a XXXX  visit package to repair a XXXX XXXX  The charge was not authorized and the doctor closed her practice before it could be. Basically she stole {$4000.00}. She subsequently fabricated information supporting the charge. Care Credit has for 2 years now supported her in this fraud.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

Someone that was not me must have applied for a credit card and caused a hard incury on my report. This request for credit was not me and I feel its identety theft as I did not apply or requested any credit from this company.
Product: Debt collection

We sent the Midland Credit company an mutually agreed upon amount of {$500.00} and stated we would send the final amount of {$380.00} on XX/XX/year> via a checking account wpermission drawal. After the call with Midland they went in and tried to use a debit card used to pay the 1st payment! That was not apart of our RECORDED conversation. This was done without permission or instructions! They then stated they had a payment declined! This group had spoken to us previously and tried to change the agreement made to clear those debt! They'll are treating consumers without any regard to the law or professional behavior. We made sure we would be protected and had documentation through our Credit Union.
Product: Credit reporting or other personal consumer reports

This CFBP complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent,, inaccurate, and false information consist of a personal credit cad account opened at XXXX XXXXXXXX XXXX  with a charge of balance of {$420.00}, an auto loan account opened at XXXX XXXX XXXX XXXX with a charge amount of {$14000.00}. These accounts have resulted on several fraudulent hard inquiries and fraudulent collections appearing on my consul, er FICO credit report. The aforementioned accounts, collections appearing on my consumer credit report maintained by were not opened, made or initiated by me. All of the aforementioned accounts and collections are the results of identity theft and fraud. I have attached a copy of FTC identify Theft Criminal Complaints as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX employees XXXX and XXXX from equifax sent all my informations to put it up to date 7 times to be exact with the proper documents 3 times by mail 4 times be email and yet keep asking for the same information car I do not possess anymore since XXXX XXXX  dlinquant but havent had the car for 4 years
Product: Student loan

I had problems making payments on time and getting correct information about additional repayment plan options. 

Hi, I need help urgently. 

Ive was with Sallie Mae prior to XXXX and Navient since about XXXX. 

Ive worked full-time for a non-profit since XX/XX/XXXX. 

Ive had major difficulties with Navient since my loans were switched to Navient in or around XXXX to XXXX. 

My question : Why did they not immediately advise me to switch to a direct loan and/or Public Service Loan Program back in XXXX? 

Although they have documented over 60 on-time IBR payments on time since XXXX I was originally setup prior for IBR prior to XXXX, however, Navient made several critical processing errors in subsequent years, I believe in order to revoke and extend my IBR plan beyond the 20 to 25 years as required in order to apply for forgiveness. 

Even after many phone calls explaining to them that I had submitted my IBR request in XXXX of the prior year, when renewal was scheduled for XXXX the following year, they not only did not process my paperwork on time, which caused in accurate bank transfer collection but also caused inaccurate reporting of on time payments. 

These one-time charged were in amounts of over {$500.00} and over {$1600.00}. They didnt even send me an email prior to sending the payment requests? 


Their incompetence and I believe fraudulent activity, not only caused me be farther behind payments on my IBR program, they also flat out lied to me when I asked them if there was another payment program relating to my employment with a non-profit 501 ( c ) 3. 

They said I did not qualify without even directing me to the proper federal government website in order to confirm what they were saying. They also didnt even consider asking me for my employers non-profit status and/or contact information to verify the status of my employment. 

Im under the assumption that there are recorded phone messages that will corroborate these statements as I had spent many hours on the phone with Navient arguing as to why my annual IBR applications were delayed by over 3-months on several different occasions/years. 

I really need advice on how to proceed and how to find a suitable way to correct these violations to my rights. 

Im also, is in the process of working with Docusign to apply for a Direct consolidation loan in order to qualify for the Public Service Loan Forgiveness Program requiring 120 months of on time payments, however I dont know if hey will advise me on my rights to obtain retroactive IBR payment credits that can be applied to a Direct Public Serice Loan Forgiveness program, as Navient is an official government approved loan servicing provider. 

Navient has documented over 60 on-time payments, however I believe the number should have been much higher, closer to between 90 & 100 payments. 


Sincerely, XXXX XXXX XXXX of XXXX XXXX
Product: Mortgage

I just refinanced my house and my loan was just bought by Village Capital. My house received damage and i summited a claim against my insurance company ... I was informed that the house had 17,000 dollars in damage my roof was needing to be replaced along with the back porch and carport. We was having more storms on the way so I paid out of my pocket to replace these items cause I didn't want more damage to the house.. Thus trying to protect my home from further damage. 
when I received the check from my insurance company they had the check made out to me and the mortgage company.. I called the Village Capital and was told to over night the check to them and they would endorse it and return it to me. They sent the check back to me and said that cause the check was over 10,000 dollars that I had to endorse the check and send it back to them ... I signed the check and returned it again to them the check seat there for weeks without them doing anything to have my funds returned to me ... I continued calling the company and was told that it takes time and that they would send an inspector out to the house to ensure that the work was completed ... When an inspector came to the house they signed off the work as competed and summited the papers to Village Capital the same day that they was here.. I requested from the inspector that I get a copy of the report cause the mortgage company has been losing and delaying. I called the mortgage company after 2 days after they received the report and they said that they still aint received the report from the inspector. I was talking with XXXX a manager in the claims office and he said that if I had a copy of the report that he would overnight the check to me and that he would return my call stating that he had done that ... while he went home without calling me and its almost a week later and I have not received the check yet .... he refuses to take my call and I'm have to talk with others who aint knowing what's going on ... I started the process with this company before XXXX of XX/XX/2021 and its been over 3 weeks and I'm still waiting. the company has lied to me several times and are continuing to be dishonest. I'm wanting my mortgage transferred to a different company cause I don't fill confident with Village Capital is capable of handling my account and I'm worried that they will hold this against me for fussing with them ... They are telling me that I can refinance my house but I just did and I don't want to pay out another 5 thousand dollars to refinance again. I would be extremely grateful for any help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by XXXX which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!
Product: Student loan

I graduated from school XX/XX/2023, and applied for XXXX program for my loans. I have 3 loans, 1 in deferment, 2 say I'm still " in school ''. I've been reaching out to Edfinanical to fix this and take me out of in-school status, so I can consolidate my loans and go into the XXXX program. I have been reaching out to them multiple times via calling and email since XXXX. No one ever picks up the phone, the wait times are ridiculous like 500 minutes, and on the rare chance that I do get a callback, my request only gets forwarded without any response. It has been two months and now there is interest accrual which is getting capitalized from XXXX, and still going in XXXX. There has been no reply, I have not been able to consolidate my loans and go into active repayment and into the XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Credit card or prepaid card

USAA - Master Card, several years ago CHANGED from a XXXX to a MASTERCARD. I never used it ( MASTERCARD ) and never wanted it. NOW, years later, their collections department is trying to collect a membership fee of {$45.00} by calling me once a day. 

I have explained this to many of the folks that call. BUT they keep calling.