23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called to finalize my account with MyFortiva after speaking to a supervisor who assured me settling the account would not negatively impact my account. She told me I could pay less because of the predatory interest I already paid more than the amount balance. To validate this information again I chatted with an employee who assured me yes it would not impact my account. I advised them I would not settle otherwise because my credit was good. Initially it reported settled account on credit. On XX/XX/XXXX I called to verify account was indeed settled because account showed a balance. The representative said yes the balance would be resolved and my account was indeed settled. The very next day a charge off from MyFortiva was on my credit report. It tanked my credit and even changed my rating with a couple of the bureaus. I feel this a XXXX retaliation after I called the XXXX time because I spoke to several people. I spoke to XXXX XXXX XXXX who advised me my account was delinquent since XXXX. I told her my account was never delinquent more than several days one time because I was working on the settlement amount. She advised me no your account was delinquent every month. I was so angry I advised I would be contacting an attorney. I believe if I wasnt XXXX XXXX this would not have happened. I have copies of the chat and they have recordings of the conversation where I asked if this would be credit impacting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent INQUIRES to be Removed : * XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently attempted to perform a 2-factor SMS verification with my bank ( XXXX XXXX The bank is unable to complete the verification and send me a confirmation text. They stated that the SMS verification system they use is called Phone Finder from Lexis Nexis. When they attempt to use the system they are unable to do so because the information associated with the number does not match my information. The bank says that the name they get from Lexis Nexis is XXXX, XXXX. My name is XXXX XXXX. I contacted Lexis Nexis to see if I could fix the information in my file and they said that new information can not be added, only inaccurate information can be disputed. They said that the information which my bank is using comes from my unofficial file which they say cant even be disputed. Lexis Nexis gave me the option to suppress my file ( Im not sure if suppressing my file would include my official and unofficial file ) but my bank informed me that doing so would make my problems with authentication worse. As it stands I now have to go to my local branch with any option as calling the bank is no longer an option due to the negligence of Lexis Nexis. Im not really sure how to proceed. 

Thanks, XXXX XXXX
Product: Debt collection

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

NCA ( check into cash ) XXXX {$350.00} This account do not belong to me I am requesting full validation of this you say I owe, I am requesting proof that I am indeed the party that you are asking to pay this debt. Im sure you are aware of the provisions of the Fair Credit Reporting Act. 

Also 15 U.S.C 1681 section 604 ( a ) states I have the right to privacy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

In the  XXXX  of  XXXX , I applied for income-dependent repayment. This application has still not been processed as of  XXXX   XXXX ,  XXXX . The company, Navient, says that they have not received appropriate income documentation. I have sent them alternate income documentation according to their instructions. I called the company twice and each time the person helping me on the phone could not find any documentation that was lacking. I asked them to submit queries as to what further documentation was needed. The company does not tell me what further documentation they require. I believe this is an intentional action on their part to avoid giving me income-dependent repayment terms.
Product: Credit reporting or other personal consumer reports

i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENT BELOW FOR FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX World Omni Financial XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Student loan

I've been making loan payments under the PSLF program consecutively, since XX/XX/XXXX working for a state government agency. In XX/XX/XXXX, I changed jobs to a county job and received an increase in pay. In XX/XX/XXXX when I applied for recertification, my application was " denied '' due to my increase in salary. I expected to have a change in my monthly payments, but was stressed upon seeing this notice that I was " denied. '' I contacted XXXX immediately and a customer service rep switched me to a plan with the lowest monthly payment. Unbeknownst to me, the " plan '' she switched me too did NOT qualify as a plan to make repayments under for PSLF. I learned of this by an email notice one month  later. I contacted XXXX again, and again was told I was on the wrong plan. I once again tried to submit paperwork to get under the correct plan. In XX/XX/XXXX I received another notice my application has been " denied. '' I called XXXX again and was now told to apply for REPAYE. I was told that a payment in XX/XX/XXXXwill NOT count towards the 120 monthly payments because paperwork will not be processed in time, but the monthly payment will be very low. I paid {$880.00} for XX/XX/XXXX, and then {$440.00} in XX/XX/XXXX. I received another notice in XX/XX/XXXX that I am still not on a plan that qualifies for PSLF. I contacted XXXX AGAIN and spoke with someone who convinced me he was knowledgeable, and assured me I was on the right track. I am on REPAYE and my monthly payments will be {$800.00} beginning in XX/XX/XXXX. I asked him if he could send me an email to memorialize our conversation, but he said he could not do so. I paid {$880.00} over the phone to him for my XX/XX/XXXX payment, and he told me that all payments, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXwould count towards the 120 payments. Today I received a notice for automatic withdrawal, and the amount was only {$450.00}. I called XXXX and spoke with a very rude person by the name of XXXX who not only hung up on me, but was supposedly a supervisor. She refused to explain how this mess happened, and would not acknowledge they XXXX XXXX up. I relied upon their advice and information when choosing a plan to pay under. I asked the right questions to assure myself that I was paying under a plan that would qualify for PSLF. Not only was I given incorrect information, but now I have months of payments that do not count towards my 120 payments for PSLF. I relied on XXXX customer service reps to my detriment. I have no idea what is going on, what payments count towards the 120, and why certain payments don't count. I don't understand why it takes three to four months to process paperwork, and as the consumer, I am penalized for their lack of diligence. I have been told completely different information from each customer service rep I've spoken to and have now lost all trust and confidence that XXXX is properly servicing my loans so that I qualify for forgiveness in 3 years. I am at the end of my rope and ready to hire an attorney to file yet another lawsuit against XXXX. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX  XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}
Product: Debt or credit management

I paid a debt that was owed and requested that it be removed from my credit report. Since then it has not been removed from my credit. I have provided both Equifax and XXXX with copies of the letter and the creditor has spoken to them and it has not been removed from my report as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Chage off account was incurred due to identity theft and I am submitting this CFPB Complaint to you today to request that you remove this account off of my Credit File in accordance with the fair Credit Reporting Act section 605b. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated the FTC report into this complaint in compliance with the requirements of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove the account : XXXX XXXX XXXX Balance : {$290.00} as soion as possible in compliance with the Fair Credit Reporting Act. I've heard that you are compelled by federal law to remove the disputed items that were the consequence of identity theft under the Fair Credit Reporting Act section 605b. So kindly abide by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

On XX/XX/XXXX I received a call from Wells Fargo regarding a WF credit account that I'd opened for the purchase of furniture at a local retailer ( XXXX XXXX XXXX ). I was advised that the account was 2 months delinquent and that payment was needed. I apologized for the oversight and explained I hadn't received a statement from Wells Fargo and made payment on the spot. Subsequent to that -- I believe in XX/XX/XXXX -- I learned that the account had been closed involuntarily on XX/XX/XXXX due to this 60 day delinquency without my being notified ( either by mail or by the representative I spoke with in XXXX ). At that time, I requested to speak to somebody on Wells Fargo 's Executive escalation team, as I'd maintained that account in good standing for approximately 3 years and was concerned about the account closure negatively impacting my credit score. While I was told that I would receive a call from the WF Executive Escalation team within a day or 2, I was never contacted. Wells Fargo maintains they sent me a letter advising of the reason for their decision to close my account and that I could not have the account reopened or the negative credit reporting reversed. Over the subsequent months, I told each person who called me regarding the balance on the account that I was still waiting for a call from their executive escalation team no less than 4 times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, to the best of my recollection ) I was told repeatedly somebody would call me from that team. No call was ever made and I confirmed with a member of the executive escalation team ( XXXX XXXX. ) today, XX/XX/XXXX, that aside from a call that was attempted on XX/XX/XXXX Wells Fargo 's records also supported my assertion that nobody ever called me from their escalation team prior, despite numerous requests. XXXX proceeded to inform me their decision was final, they had received no return mail sent to my address and so their was no reason to believe I hadn't received it, and when I advised that I would be lodging a complaint with the CFPB, I was told that was my decision to make. 

I've now paid the past due balance owing on my WF card account, after having told multiple callers ( collectors ) from WF that as a matter of principle, I would pay my balance as soon as their executive escalation team contacted me and addressed my concerns. While I now bear the negative impact of that decision ( on my credit ), Wells Fargo completely failed to uphold their repeated promises to have somebody contact me over a 6 month span. They confirm nobody called me to address my concerns over that span, and yet, they appear to have no repercussions for contact me. This is wrong, and another example of Wells Fargo treating its customers poorly.
Product: Payday loan, title loan, or personal loan

I made a payment on-line on XX/XX/XXXX, which I intended to cover the payment due on XX/XX/XXXX. The payment was applied to my XX/XX/XXXX due date, so a double payment was made. No warning was available on the Lending Club website to inform me that the payment was applied to the XX/XX/XXXX cycle. Now, Lending Club is unwilling to make an adjustment to make my loan current. My loan is now over 15 days late and a late fee has been applied. I do not have money in my budget to make an additional payment. 

So I'm being penalized for being early with my payment and not remembering the " fine print '' of a loan agreement. I feel like a reasonable person sees a due date as a deadline to make a payment, and would see it as better to pay prior to the due date than after. I'm sure I'm not the only borrower who has had this experience.
Product: Debt collection

Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Student loan

Co-signed private loan for my son on XX/XX/XXXX. Began paying on loan XX/XX/XXXX. Have paid {$23000.00} on an original loan of {$16000.00}. According to Navient I still owe {$19000.00}. Have made timely payments. This company is currently being sues for predatory lending practices. This company has acted fraudulently. 

XXXX XXXX
Product: Debt or credit management

I did not receive my XXXX  copies and prints from the prestige of these claims. I ask for original and copies of dates to see it didnt passed the statute of limitations. By law their obligate to send me documents because if the XXXX  laws that was made to protect my constitution. I need copies of proof of the claims
Product: Checking or savings account

Over draft fees, couldnt cash checks, and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute onXX/XX/XXXXXXXX XXXX due to Other : According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXXXXXX XXXX  Account # XXXX and US Dept of EDU Account # 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Product: Checking or savings account

I had suspected Fraud on my checking acct.

It was suggested by the representative that I open a new XXXX  acct. Linked to the old acct. 
I opened the acct I was also told that the Bank Representative from the Fraud Department will always have to transfer the funds. I was told they're open 7 days a week 24 hrs per day. 

I've been making these transfers past 3 months no problem. Today I called to transfer my money I was told that Department is closed and they are the only Department that can transfer the money. Last month I didn't have this problem. So this policy changed and Bank of America neglected to inform me. Now they're holding my money and telling me sorry. 

I need my money today, I never received a email or anything.