23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient is conducting unfair, deceptive, and abusive practices as it relates to payment processing and overall servicing activities. I have been paying on this account since 2015 when my student loans were consolidated with Navient. and since then I have never missed a payment or have had a late payment. Navient insisted that you go paperless in regards to monthly statements, and when you go on the website you are unable to see or print an actual monthly statement with all required disclosures. In addition, there were four times through out the life of the loan that my monthly payment went to all interest and nothing was applied to principle. Finally, as I reviewed the transnational history of my payments I identified that I actually paid XXXX off of the original principle balance of {$66000.00} which would bring the principle balance to {$60000.00} ; however as shown in the evidencing document Navient has a principle balance of XXXX which is XXXX more than what it should be in which additional interest is being accrued on. This is completely unacceptable and illegal as a normal consumer would never be able to payoff their student loans due to the unfair, deceptive, and abusive practices being conducted by Navient.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these inquiries removed from my credit file. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

Money was debited from my account by a scammer through XXXX XXXX on XX/XX/XXXX. My debit card is linked to XXXX XXXX so the person was able to charge {$400.00} to my bank card. XXXX XXXX denied my claim because it looks as if I sent someone money, when in fact someone else accessed my account, changed all my two-factor authentication information ( phone numbers & email ) so I wont get any notifications while they sent the money to themselves. Since XXXX XXXX XXXX wasnt too helpful I contacted my bank Navy Federal. Navy Federal immediately sent the credit to my account, and eventually reversed it due to a SO CALLED investigation. I requested an appeal And I have been waiting for this appeal since XX/XX/XXXX. I already provided Navy Federal with screenshots showing that my XXXX factor authentication information was changed and then money was sent out to a unknown individual, but I am somehow still waiting for this investigation and my account has been negative ever since. Navy Federal continues to call me letting me know that my account will be closed if I dont clear the negative balance that isnt even my fault to begin with. I contacted them today by secure message and it seems as if the Appeal has been denied once again. HOW IS THIS LEGAL???? I filed a police report as well CASE # XXXX
Product: Debt collection

I have requested numerous times for the company to stop contacting me but they continue to call and call me names and harrass me saying that I need an attorney. XXXX XXXX is the last representative that I spoke with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app disability my account and now I cant get into my account and they also took my money out of my account and their customer service was terrible they didnt answer or helped me out
Product: Credit reporting, credit repair services, or other personal consumer reports

Fist of off these accounts arnet mines and when i call the us ed department they act as tho they dont know what im talking about. I asked for proof of the accounts and they have yet to provide me proof that these are accurate yet they keep telling Experian XXXX and XXXX that they can vaildate it. They are lying and reporting all kinds of information that cant be factual because if so they would have no issues reporting the same FACTS to each company US DEPT ED ACCOUNT NUMBER XXXX When looking at this account, I noticed that it has inaccurate late payments reporting. Not only are there incorrect late payments but the open date, last reported date, and payment status, comments and last active dates all vary between the 3 bureaus ( Experian, XXXX, and XXXX ). The late payments automatically start at 120 days ... how is that possible? How can a payment be 120 days late in a row? Its 31 days in a month max and the high limit and amount for the balance is different and wrong XXXX
Product: Credit reporting or other personal consumer reports

I have reason to believe due to several data breaches that my personal information was leaked in that this account came about. I disputed the original creditors under Identity theft and then in return this collection came on my personal credit report. This collection does not belong to me nor did the original account which was from XXXX XXXX XXXX. This is the result of identity theft and I have no knowledge of this collection which is XXXX XXXX XXXX XXXX XXXX account # XXXX with a balance of {$2500.00} this collection also falls under section XXXX and per XXXX XXXX XXXX XXXX XXXXXXXX which states due to identity theft it has to be removed immediately as it is causing harm to my personal credit profile and prohibited me from being approved for tradelines
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act has been infringed upon by XXXX  in relation to Account Numbers # XXXX and # XXXX, thereby violating my rights. 

According to 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy rights. 

Furthermore, under 15 U.S.C. 1681, Section 604 ( A ) ( 2 ), it is stipulated that a consumer reporting agency is prohibited from providing information about my account without receiving my explicit written consent.
Product: Debt collection

After several attempts to get information about fraud on my TD Bank card it was sent to collections of a agency called XXXX XXXX. When an attempt to get this removed from my records due to fraud on the card previously wasn't getting anywhere. Credit limit on the card is only {$8400.00} and their saying owed is {$11000.00}. Now lately been being a bit harassed multiple times a day each week on a debt I feel is inaccurate and should be taken off my account records.
Product: Debt collection

I have been harassed by 3 different collection companies over the past 4 years for money owed for equipment that was returned to XXXX on XX/XX/2014. I have a written receipt from a XXXX representative showing the returned equipment. Each time I provide the receipt the collection agency stops and then I am contacted by a different collections agency for the same bill. Each time the collections shows up on my credit report and is damaging my rating. The most current company that is attempting to collect the amount is XXXX XXXX XXXX.I have notified this company as I have the others and again get no response.
Product: Student loan

The payment history indicates that I have paid over {$4000.00} in principal on my {$5000.00} student loan yet Navient is still stating that I owe {$2300.00}. It appears that I am being overcharged therefore I am requesting a break down of how this current amount was determined along with a recalculation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Motoleasee has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than 7 payments late. The Motoleasee account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted Motoleasee as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my XXXX report only if I start making payments. Motoleasee has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 XXXX 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: Checking or savings account

Crypto.com closed my account back in XXXX XXXX XXXX. I asked them why, they would not tell me. I had a visa card with them that was issued by XXXX XXXX XXXX  and a return that was processing from XXXX to the card. After the money for the return went onto the card, I asked crypto.com how to get my money out of the card, since it's closed. I told them they can send it to my linked bank account, or they can send me a check, or send me crypto. Since then, they have been essentially ignoring my emails and calls. Withholding my {$1200.00} from me.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, incorrect amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX XXXX and XXXX, and experian regarding information listed on my credit report such as name, address, ssn, inquiries, accounts. They have compromised my identity yet again and continue to list ssn and other identifiable information including accounts not listed in my name or belonging to me on my credit report. A ssn ending in XXXX is listed on my report along with the name of the individual. Not only is this listed under me I have an active fraud alert and police reports due to this dated back to XX/XX/XXXX and XX/XX/XXXX being the most recent. These companies were notified of these police reports and continue to compromise my safety and identity. They have accounts on my credit file tied to addresses in which I have never had accounts or live. They have information on my credit over 10 years old and continue make updates to account monthly listing them as charge offs that are inaccurate! I have recordings of ever person I spoke with by phone!
Product: Debt collection

AFNI , INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending collection notices in the amount of {$280.00}. The collection has been reported as pasted due balance. i do not know this company. i have never done any business with this company. this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX   XXXX , not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  delaware  XXXX  not  XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX  de  XXXX , and these are not my last  XXXX  digit social  XXXX , and my phone number is  XXXX  not  XXXX  and my work address is  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  not  XXXX   XXXX   XXXX  de  XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

If these erroneous accounts are not deleted immediately, I will be forced to sue u seeking maximum monetary damages clearly outlined within 15 USC 1681o.
Product: Vehicle loan or lease

ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted Experian via CFPB portal complaint ( XXXX ) to notify the Experian and XXXX XXXX XXXX XXXX that XXXX XXXX XXXX XXXX ( XXXX ) was reporting inaccurate, incomplete, and outdated information on my credit report. I requested a re-investigation according to 15 U.S.C 1681i. Not only did Experian and XXXX XXXX XXXX XXXX fail to verify the reporting and/or update the report, they failed to remove the account from my credit report. 
XX/XX/year>. I received a response back from Experian regarding the mentioned account XXXX XXXX XXXX XXXX ( XXXX ). In Experian 's response they indicated that the account had been removed as a resolution. I pulled my recent report via XXXX XXXX and saw that the account still remained on my credit report and was still reporting inaccurate, incomplete, and outdated information. I contacted Experian via phone and the agent I spoke with refused to remove the account ; although, Experian had claimed to had removed per their response via CFPB portal complaint. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 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 accurate.
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. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXXXXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF ED/XXXX, Account # XXXX Company name : DEPT OF ED/XXXX Account # XXXX Company name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX Account 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 an 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: Student loan

Years ago this loan company deceived into thinking I had a lower interest rate than what I really did. They " compared '' federal rate with their rate when in reality they were compiling them. Months later after paying every month on time and more than required I looked at the balance and saw it was not going anywhere. I called to see what had happened and they said they applied the money to interest that had not yet even been accumulated. This is when I realized all they had done. I tried to change their rate and fix the payments and they would not budge despite deceiving me. So I stopped paying and they sent me to a collection lawyer. They refuse to close the account and settle up with me.
Product: Mortgage

Bank of America is refusing to modify my HELOC on my primary principal residence.

Bank of America states I don't qualify for a loan modification. I have made numerous attempts to apply for a loan modification and have been denied.

I recently in the last two months modified my 1st Mortgage with XXXX XXXX with no problems. XXXX XXXX modified my loan in less than 20 days with no hassles. Bank of America is not making any attempt to help me stay in my home. It is frustrating to get the run around with Bank of America when applying for a Loan Modification.
Product: Debt collection

This Debt was openedXX/XX/2019 and i was not aware of who this is the amount of this purported account is {$600.00} with an account number of XXXX which i have not seen before
Product: Debt collection

Company has failed to deliver notice of debt in writing and have called multiple times to get information regarding debt. Further, if this account is mine, the information they report is inaccurate as i have never owed a debt of XXXX to any rental company.
Product: Mortgage

I received a message from Chase that two of my mortgages are enrolled in their Covid 19 'Payment Assistance Program ' and that the program has just been extended on these loans for another 3 months because they didn't hear from me. However, I never signed up for this program and I do not want it. I initially inquired about this program but decided against enrolling. Because I never enrolled, I don't know what the ramifications are to my accounts but I am worried it might have an effect on my payments or interest charged or some other aspects of my loan.
Product: Money transfer, virtual currency, or money service

This is part of Employment Scam. A person named XXXX XXXX reached out with a Remote Data Entry Clerk Role at XXXX XXXX XXXX XXXX XXXX saying I was offered the job. She sent a cheque of XXXX saying that it was for sign in bonus. After that, she asked to wire transfer {$2000.00} for equipment purchase on XX/XX/year>. Believing it as true, I sent the money. She immediately asked for {$2000.00} more- which is when I figured out that this is a fraudulent activity. I immediately reached out to my Chase bank to do a Wire Transfer Recall. The claim is still in progress with Chase and they are waiting for XXXX XXXX to take respond. XXXX XXXX claims that this is a 17 digit number and an invalid number. Please help me in this.