23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As a former college student, I have a few private loans with Navient ( formally known as XXXX XXXX ). I have experienced nothing but frustration when it comes to attempting to negotiate payment plans. Because the loans are private, I have few to none available options. I was recently linked with Navient 's Customer Advocate Department after a previous complaint with CFPB in XXXX, and I have still gotten nowhere. I have talked to numerous representatives that have not " advocated '' for me in any shape or form. Most recently, I have been waiting since XXXX to find out if I was eligible for a Loan Modification Program, and was recently informed by a loan officer while trying to purchase a home, that my loans currently reflect that I am to pay $ 600/a month, which I was informed is because I have a late payment. I was continuously told by Navient representatives that if the Customer Advocate Department is working on my loans, then they will not be late. Obviously not true. This process has been nothing but frustrating and as a hardworking woman, I have struggled with being able to make payments that are expected. I have consistently made payments, when I was able to pay what was expected, every month, on time, even paying a lump sump payment towards XXXX loan. Navient has made me question being a XXXX, especially considering that my income is not sufficient to pay what is expected. Speaking to Navient representatives to like speaking to someone who speaks a foreign language and has no clue of what I am talking about. This has by far been the most frustrating process, and I have yet to get anywhere after writing complaints, speaking with multiple representatives, and even supervisors. What 's most frustrating, is that the reason I pursued a degree was to be able to provide a better life for myself, and at this point I am XXXX guessing my decision. I would be so appreciative if I could be granted some assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX for their failure to properly validate accounts that are being reported on credit file. Despite multiple requests, including XXXX written communications, XXXX has failed to comply with the federal regulations under the Fair Credit Reporting Act. Specifically, I have requested that they provide a copy of the original contract bearing my signature, and proper validation of the debt including a full breakdown of the account. Despite my good-faith efforts to resolve this matter, they have been negligent in responding and I have not received the requested documentation or validation of the debt. This failure to act is a clear violation of federal law.
Product: Prepaid card

I have tried to use my American Express gift card online and the card is being declined. I called America. Express and checked the balance and verified that the card is active but it is still getting declined when I try to use it. I called American Express customer support several times and their only advice to me was to try to use it with a different merchant. They blamed the merchant for declining the card and said they could not help me. I called the merchant and they assured me that they accept American Express gift cards and that they were not declining the card. I tried this with several different merchants and have had the same outcome. I am unable to use this {$1000.00} American Express gift card online as well as XXXX additional cards XXXX for {$200.00} annd XXXX for {$50.00} and American Express customer service is not trying to resolve this issue at all. I should be able to use these cards at any merchant that accepts American Express and not have to keep trying different merchants until XXXX finally works. This is a problem on American Express ' end and they should be willing and able to resolve it immediately for their customers.
Product: Debt collection

ARS Account Resolution has reported invalid account with the amount of {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company or any company associated with them. The company has failed to provide any debt validation for this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of 2020, my business partner made a deal with the XXXX XXXXo pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in XXXX day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 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 - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls.

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

18 months ago I've asked PHH mortgage to remove my PMI because the house value has increased. I paid a $ XXXX appraisal fee back in XXXX XXXX XXXX and that house never got appraised. I've tried many times to get the issue resolved and I'm constantly getting the run around. Their monthly update to me is that there's no changes from the PMI department. If they got my property appraise back in 2021 I wouldn't have to pay my PMI for the last 18 months. At the moment, I have no confidence in their escalation team. I need this issue resolved and my appraisal fee refunded.
Product: Credit reporting or other personal consumer reports

Requested on several different companies to verify original paperwork for debt and they have stated that debt has been verified when it has not when disputed on account
Product: Credit reporting or other personal consumer reports

I have not initiated any fraud alerts to be added on my credit report. Please remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bankruptcy that i filed back in 2012 is still on my credit file and should be removed because its been 10 years since it was added. experian has kept it on my file without having all the proper info to have it there. nexis lexus is not where your suppose to go to verify something, which they have been doing.
Product: Debt collection

On the morning of XX/XX/2016, starting at XXXX, The 'company ' alleges that they have been referred my account for collections for some payday type loan. They asked me to confirm my name, address, and the last 4 of my social. Funnily enough, they did n't have my email address. They stated that if I did not make arrangements with them to pay the alleged debt that they would seek legal action, have me arrested, repossess my vehicle, file a suit against me -- but it could all be avoided if I agreed send payment to them right then and there. When I asked for proof of such claims ( to mail me any and all documentation ) they refused saying that if I did n't pay " I 'd be in big trouble '' I again demanded proof of such claims the caller began to become belligerent. I hung up. They called again. I stated that they were nothing but a scam and that if they had any such 'case ' that they would have proof and they would forward said proof to me. They said that they did n't have to prove anything to me. ( I did manage to get the caller to say what their company name was, " Financial Credit Solutions '' ) Several more calls were made to me and the caller became increasingly belligerent and stated that he hoped that I had all of my XXXX shopping done because " he was going to come after me for everything I had ''. At this point, I had had my fill and words were exchanged. 

Later that day, I found out that these people had made several phone calls to two relatives of mine and leaving the same type of threatening voicemail messages " That I had an important legal matter to tend to and that if it was not addressed then I would be sent to jail. '' Today, XX/XX/2016, I was informed by one of the same relatives that they had been called yet again today by these people.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
Please delete all these fraudulent accounts none of the listed is associated with me.
Product: Debt collection

THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Product: Debt collection

I've gotten the fraudulent accounts removed from XXXX and XXXX. But Bull City Financial Solutions in XXXX, NC keeps reporting the fraudulent utility account from XXXX XXXX on XXXX for the amount of {$160.00}. I've made disputes to the company to no avail.
Product: Checking or savings account

Capital one bank contacted me about a month ago, asking me about my deposits and withdrawals. They said i have high deposits and high withdrawals. Theh asked why and i explained that nothing has changed in my banking activity for the almost 5 years i have had this account. I asked if there was a problem and they said now. Now i received notification that my account is closing in 14 days. With no actual, real, specific or honest reason as to why. I would like them to give me the the reason why they decided to close my account. Generic policy disclosures will not be acceptable.
Product: Credit reporting or other personal consumer reports

XXXX added an account to my credit report that did not belong to me. When I filed the dispute, they gave the collection agency my phone number and address and now I am receiving calls from the collection agency. I verified with the collection agency that the accounts did not belong to me and that they were provided my information by XXXX. I filed a dispute for XXXX accounts for the same creditor. XXXX removed XXXX account from my credit report but failed to remove XXXX additional accounts belonging to the same person and from the same creditor. I did an online chat and spoke to an agent on the phone and both told me that the only thing I can do is file another dispute and wait XXXX more days.
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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reaso
nable cause to believe that the information is innacurate
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 15USC 1681. 

Account names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states that 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 conmtaining 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. 

5 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. 

These inaccuracies are preventing me to qualify for an auto loan to purchase a vehicle to commute to and from work which therefore has restricted the job opportunities that i can qualify for. This has in result hindered my ability to provide for my family.
Product: Debt collection

Under 16 CFR 433.1- Definitions 15 USC 1684-Civil Liability 15 USC 1692 ( b ) -Permissible purpose The Company/Seller disclosed my account information without my written permission and/or consent ; There is no Contract andor Business Arrangement ; According to the status of the collection account, it is in one or more places " assigned to an attorney, collection agency, or credit grantor 's internal collection department. '' -There is no plain writing, clear and concise to direct which one of the entities it has delivered the security/instrument/account to ; Created an adverse action affecting my credit file in a negative way ; Testifying false and misleading formation, which I did not give nor gave any permission written or oral to make a report for my file. 
I seek all refunds, damages, and remedies applicable to this issue.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX 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 1681 5 they are supposed 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.