23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had my student loans through XXXX and now Navient since 2006! My loans have collected interest over time at an alarming rate, due to my inability to pay them, despite several attempts to get on some sort of affordable payment plan. Despite my attempts at paying something affordable, I have never been told my options for affordable repayment. Navient/XXXX has harassed me by repeatedly making phone calls to me regarding my loans, repeated phone calls daily to my cell phone during working hours, calling relatives, even going as far as to contact my brother 's wife 's mother- whom I do n't even have her phone number!!! Navient told her information about my account being past due and even continued to call after being asked to stop. I have no idea how they obtained her phone number! I have asked repeatedly for help on these loans but am only given the option of forbearance, or told if I wanted to get on a repayment plan I had to pay over {$1000.00} right away in order to do so! I have also been forced to pay the. " Right away '' in order to get my into forbearance. They have also asked if I wished to place my accounts into forbearance through automated text messaging, without first validating any personal information about me or my account. This company has prevented me to ability to purchase a home for my family, leaving the XXXX of us stuck in a XXXX bedroom apartment. I am sick of the unprofessionalism, the impossibility to be able to ever pay back these loans, the unwillingness to work with me to lower payments and the constant harrassment!!!! I will likely never own my own home just because I wanted to get an education and have been lied to and coerced and mislead by a company I had trusted with what is now {$80000.00} of debt!!!
Product: Credit card or prepaid card

I received an offer for {$10.00} off {$100.00} on XXXX to be used in XXXX. I made the purchase on XXXX in the amount of {$110.00}. However, the {$10.00} credit has failed to post and Citi has not rectified it.
Product: Payday loan, title loan, or personal loan

Speedy Cash of XXXX XXXX  and XXXX  in XXXX Arizona is Doling out title loans against vehicles in direct violation of Arizona statute not only this but Arizona allows the extortion according to the Department of Motor Vehicles and will not release the title unless the Creditor releases the note thereby co-conspiring against service members- retirees Etc and this includes people in the XXXX  XXXX XXXX of which I was in XXXX. This XXXX I have my full retirement orders. this company watch to play the same game since the credit bureau they push three buttons on a computer they claim they have no working knowledge of any data and that I have handed them a lie which I have not been papers are official from XXXX Tennessee to XXXX XXXX personnel office in response to the XXXX XXXX XXXX XXXX three secretaries ago under direction of President Obama and the Bureau for correction of Naval records these documents could not be more official. 

This company will not listen to reason they do not care for the truth and they continue to extort service members that more than 300 % interest I asked them to cap it at 30 % and they absolutely refused. I keep trying to send me back to their team of lawyers even though they're in direct violation of Congress at this moment because Congress is passing laws to stop this predatory lending. 

The local sheriff 's are in on this and want me to go talk to a lawyer at XXXX to {$750.00} an hour. i can not afford an attorney. I could not afford one to defend my military rites in XXXX what makes anybody think I can afford one now and at this point with the defense department at the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX of XXXX These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and found an error on it with a collection company XXXX XXXX saying I owe {$10000.00} in which I know nothing of and this would be some sort of error on my report. I wrote the company in XX/XX/2018 and they never responded to my dispute. This item is reported on XXXX and XXXX and is affecting my credit scores. I would really like for this error to be corrected.
Product: Credit card or prepaid card

I have taken Balance Transfer from Discover card at different times. I paid of the amounts as and when nearing the completion of promo expiration. Discover is showing still I owe the money on previous transfers, though the total amount i owe is less than the recent transfer, for which they collected the Initial charges. 
Looks like the payment i am making, they are taking off from the recent transfer and not closing the OLD transfer and charging me high. Not seeing similar issues with other Banks i am dealing with XXXX/XXXX XXXX. SO want to bring it to your notice if ther eis any wrong calculation procedure implemented by Discover.
Product: Credit card

company send this bill to collection but never notify me of this bill that I called Montgomery wards but stated they have no record with this name, on my consumer report this bill of an unknown amount was documented..
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I tried the resolve issue with the company as well as CFPB but seems like CFPB is also associated with Wells Fargo becoz they close the case without even taking to me they didnt reply my message or calls or emails. So I guess this CFPB stuff is also a scam. Becoz XXXX XXXX dont respond to my emails or calls so I guess its a big scam with all of them in favor of Wells Fargo as they are working for them.
Product: Credit reporting or other personal consumer reports

Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXXXXXX XXXX ( finance ) XX/XX/ XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 2023
Product: Mortgage

today I received and email solicitation for mortgage from Davis and Amaral that included rate offerings and NO APR. Loan Originator # XXXX  Davis and Amaral # XXXX also the flyer did not include any information around Equal Housing disclosures
Product: Checking or savings account

I received a letter from Ally Online bank about an attempt to open a bank account under my name. According to the letter they denied opening the account because they could not verify my identity which is a good thing. I never attempted to open an account with this company and never heard of them or had any contact with them. I believe this is a fraudulent attempt. I already have another complaint open, complaint-number XXXX where a credit card was successful openned under my name. I believe at this moment, my identity and personal information is being used by someone given that this is now 2 times in less than 2 weeks of this occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.Unauthorized use of my report.
Product: Credit reporting or other personal consumer reports

" I have previously disputed this item with you > Insert Public Record Name / Reference # < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681l ) and the information must be deleted immediately. '' I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt.

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices.

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency.

2. The date of the last payment.

3. The date of charge-off.

4. The chain of assignment for this debt.

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas.

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED TRANSUNION ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR  COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Product: Payday loan, title loan, or personal loan

Loan : {$4700.00} Loan Date : XX/XX/XXXX Rate of Charge : 29.516 % Filing and/or discharge fees : {$0.00} Interest Charges are Current through : XX/XX/XXXX I got a loan through Omni Financial on XX/XX/XXXX, and recently became aware that they violated the military lending act ( MLA ), that required military members pay by allotment. Which is illegal under the MLA.
Product: Credit card or prepaid card

I wrote and contacted Sears and Citibank serveral times. My account was at a zero balance. Citibank chose to close my account when I filed for bankruptcy. Sears and Citibank was not part of the bankruptcy and it should not be reflected on the credit report as discharged by bankruptcy because I never owe Sears or Citibank any money. My account with them was in good standing. General Account InfoAccount NameSEARS/CBNAAccount NumberXXXXAccount TypeCredit cardResponsibilityIndividualDate OpenedXXXXStatusDischarged through XXXX XXXX XXXXStatus UpdatedXX/XX/XXXXBalance -Balance Updated -Recent Payment Amount -Monthly Payment $0Credit Limit $6,000Highest Balance XXXXTerms NAOn Record UntilAug XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am compelled to submit this complaint due to the repeated unauthorized attempts to secure an auto loan using my credit profile. The numerous inquiries on my credit report are alarmingly high, posing a significant threat to my financial well-being. It is imperative that immediate action is taken to safeguard my credit. Therefore, I kindly request the placement of an extended fraud alert on my credit file. Furthermore, I emphatically request that no financial transactions or approvals be granted without my explicit consent. 

For any inquiries or account openings, I insist that you reach out to me directly at XXXX prior to any action. Your cooperation in ensuring the security of my financial affairs is greatly appreciated. 

Thank you for your prompt attention to this matter. 

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

I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting or other personal consumer reports

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

As I understand it, according to FCRA 605B, we should remove accounts that are reported wrongly on credit reports. I'm not exactly sure what happened, but please check the accounts in the documents. They're not accurate on my credit report, and it's upsetting and making me feel unwell. Can you assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX  : XXXX 15 USC 1681E ( B ) XXXX  : XXXX 15 USC 1681i ( 5 ) XXXX  : XXXX 15 USC 1681b XXXX  : XXXX I have also enclosed a letter going stating the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXXXXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a certified letter to TransUnion on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received my credit report and seen that on the report there were inquiries that I did not authorize, so I called the companies and asked why they did a report on my credit, they all stated they had not done a credit report and have no idea what I am talking about, at one of the places XXXX the girl that spoke with me stated her company has me know were in there system, so I called experian credit reporting agency, the man was so rude and XXXX  and said did I purchase a car last year and I said yes with XXXX he said oh well they can run my report with out my permission, I stated no they can not, he said they do it every day and they can not take off the inquiries, I said I gave none of these companies permission to run my credit and actually when I spoke to these companies they stated they did not run a credit check. so how are these credit companies allowed to do this? say they ran the credit when they didn't and also with out permission? so they can keep credit scores down to help charge higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX  has fixed the error but TransUnion & XXXX have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified the information.
Product: Credit reporting or other personal consumer reports

I got a car loan with credit acceptance almost five years ago car. Car got totaled due to an accident they have been reporting that the account is closed since XX/XX/XXXX of XXXX. Also it says the account is closed and open
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 until XX/XX/2022, multiple inaccuracies were disputed and deleted from my credit report but Experian credit bureau did not increase my credit score and my score consistently decreases for no apparent reason. Despite corrected errors on my credit report, Experian has dropped my credit score numerous of times and my credit score has remained low for several months.