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

I   XXXX   from  XXXX   XXXX   XXXX   in   XXXX   XXXX  . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months, Navient, tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from Navient who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  Navient  on    XXXX   XXXX   XXXX   XXXX  , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the t ime my loans were " deferred '' would 've been until  XXXX .  Navient  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. '' Navient could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on. Navient has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.
Product: Credit card

I opened my account on XX/XX/2024 made a purchase at lowes then on XX/XX/2024 synchrony bank stated my account was closed due to activity. I made one purchase and one payment. they couldnt provide me additional information
Product: Vehicle loan or lease

Regarding Chase Auto loanXXXX The loan was for a XXXX XXXX XXXX XXXX I traded the car in at XXXX XXXX XXXX XXXX in XXXX FL. 

Chase has been issued and signed for 3 separate checks from XXXX of XXXX. The have not cashed any of them. They won't tell me or the dealership why. I have called over ten times to try to resolve this issue but I'm getting absolutely nowhere. All Chase says, every time, is that they will open an " investigation '' but they won't give me any sort of reference number for my " case. '' XX/XX/XXXX Chase signed for the first check XXXX  Tracking # XXXX check # XXXX for {$10.00} XX/XX/XXXX Chase signed for the second check XXXX Tracking # XXXX Check # XXXX for {$10000.00} XX/XX/XXXX Chase signed for the third check XXXX Tracking # XXXX Check # XXXX ( the dealer neglected to tell me the amount this time ) Chase keeps sending me late notices, they are hitting me with late fees and causing me endless stress. I worked so hard to fix my credit, I just bought a house and now chase is going to give me a XXXX because they won't cash the dealer checks and clear my loan. 

I'm having daily XXXX I can't focus at work, I'm losing sleep ... I have pleaded with chase to resolve this but I get nothing. 

Chase needs to be held accountable for stress and trauma their neglect and incompetence is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment unit at XXXX XXXX apartment complex. I paid for the application fee online, using the website provided by XXXX XXXX. My application was later denied. A couple of days after the denial, I received a letter ( dated XX/XX/2022 ) from XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, the managing company for XXXX XXXX. Within the notice is a stamp from XXXX, noting that we have the option to dispute the disposition by submitting in writting within 30 days to XXXX. XXXX claimed I still owed the applicaiton fee of {$50.00} and a returned check fee of {$50.00}. On XX/XX/2022 I sent my written dispute via email to XXXX, to dispute the payment being returned. I requested for proof of returned payment. I also informed her to provide a response to me within 30 days of receiving my payment dispute. I never heard back from XXXX, neither by phone, mail or email. I sent another email on XX/XX/2022, and again on XX/XX/2022, with no response from XXXX. I contacted XXXX XXXX ( spoke to XXXX XXXX and she informed me I was following the right protocol by emailing XXXX with my dispute. It was yesterday XX/XX/2022 when I learned that my credit was affected and it showed the {$100.00} balance was in debt collections with XXXX XXXX. I sent XXXX another email, and this time I included the CEO of XXXX XXXX XXXX, XXXX XXXX, and finally, after multiple attemps of trying to reach her, she responded to me. This is months later, after my first initial email. XXXX didn't even glance at my dispute, she immediatly said I owed them {$100.00} and the only way to resolve is to pay. Not once did she ask me for proof to show the payment wasn't returned. I replied back to her and the CEO to explain I was still disputing this payment, I even offered to send bank statements. As of today, I haven't heard back from her.
Product: Debt collection

They sued me mid pandemic. Initial amount owed was {$1100.00}. I called to agree to {$990.00} @ $ XXXX/mo. I've made pmts in XXXX, XXXX, XXXX, XXXX & XXXX. But they always report to my credit that i didn't make my pmt and they report a higher amt than I actually owe. I currently owe {$590.00} but they reported that I owe {$770.00} for this month. I've tried to have this corrected directly with them. They have refused to let me speak to a supervisor after multiple requests. I finally filed a dispute with XXXX on XXXX for inaccurate payment history and inaccurate amount. I called today ( as a courtesy ) to let them know that I missed almost three weeks of work due to COVID19 and that I wasn't able to make my payment this month ( the dispute is still pending but I still want to pay them ). I spoke to XXXX XXXX on XX/XX/22 @ XXXX EST. He told me " he doesn't have to defer my payment unless I drop my dispute. '' His exact words! He tried to twist my arm to drop the dispute! I demanded a supervisor and spoke to XXXX XXXX @ XXXX. I wanted to report what the previous rep said to me and that I will not be able to make the payment this month due to COVID19. I clearly told her I did NOT wish to discuss the dispute. She argued with me for over 15 minutes about me dropping the dispute even though I said multiple times that I wont discus it with her. I then asked multiple times if our call was recorded. She replied multiple times that it " may be recorded. '' This company sued me mid pandemic, has been nothing but a hassle, reports inaccurate information to the credit bureaus, refuses to defer a payment due to COVID19 and is trying to twist my arm to drop a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX   1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our loan is escrowed but our lender, Network Capital did not pay our property tax and we received a notice of delinquent from the county. We reported this to our lender but they have not made any corrections.
Product: Debt collection

This company took me to court without notifying me .They were granted a judgment against me, and they froze my accounts holding my founds..I have tried numerous time to contact them, and no one answers. They are trying to collect a debt that is XXXX years old, way past my status of limitations. I have already filed a complaint through the Attorney General due to numerous complaints against these unfair practices by these same company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX   Date Filed : XX/XX/XXXX3 ) XXXX   XXXX XXXX - Date Filed : XX/XX/XXXX 4 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX  XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputing the XXXX XXXX XXXX and Experian stated that the account was verified. I would like them to provide me with the details in writing what and how was this account verified. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section XXXX ( XXXX ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within XXXX days of this letter.
Product: Credit reporting or other personal consumer reports

XXXX purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. 

Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY Without the prior CONSENT of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I never gave company consent for such illegal activity.
Product: Credit card or prepaid card

I am disputing this account and need verification as to my correct address, time of opening account, last activity on account, excessive interest and fees, please investigate 100 % entirely. thanks
Product: Checking or savings account

On XX/XX/2020, I went to the Wells Fargo branch in downtown XXXX, CA, to inquire about a small business checking account. I was told that if I opened an account, maintained a minimum balance for 60 days, and had at least five qualifying transactions, I would receive a {$300.00} bonus. I opened the account, and subsequently received an email from Wells Fargo confirming the bonus offer, which also said that the {$300.00} bonus would be credited to my account within three days of meeting the criteria. 
I subsequently maintained the required balance and had the required number of transactions to qualify for the bonus, but never received the bonus. 
I called the phone number given in the Wells Fargo email to ask about the status of the {$300.00} bonus sometime during the week of XX/XX/2020. I was told that my account would be credited within three days, and was given a complaint number XXXX. 
Since that time, I have still not received the bonus that Wells Fargo promoted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. {$2000.00} was placed on my Venmo account. I linked it up to my business XXXX account. Received confirmation. Requested to transfer money into amount XXXX {$2000.00}. Received email process confirmed at that point XXXX balance of my Venmo. Received email that monies would be received XXXXXXXX XXXX. Than a email stating XXXX deposits will be made. I called XXXX business no deposits etc..no hold etc. 
Than I call a Supervisor at Venmo she can not help me only a processing center I tell her Name XXXX I received email and confirmation and then XXXX told that it takes 5 days when in doubt all email are different then she staes I donot know cannnot help you. I call back they state the same thing I request to please speak to someone noone available so you take {$2000.00} out of my account provide incorrect information I must pay a major invoice for my company than you state you can not help me when in doubt this affect mer and my firm. 
Please see email received Please note this is XXXX as well XXXX XXXX XXXX XXXX on XXXX XXXXXX/XX/2023 Transfer Amount {$2000.00} Transfer transaction ID XXXX Estimated arrival XXXX XXXXXX/XX/2023 Destination XXXX XXXX XXXX You can see the status of your bank transfers by visiting your Account Statement. 

Bank transfers initiated before XXXX XXXX on business days will typically be available in your bank account the next business day, but it can take up to XXXX business days. 

Business days are XXXX XXXX XXXX bank holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of 2019, then they listed 120 days late on XXXX and XXXX of 2019. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

- [ ] I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
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 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX ... .. Account # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name ... XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX .... Account Name XXXX XXXX XXXX  .... Account # XXXX ... 15 u.s.c 1681 section 602 A. States I have the right to pr

ivacy... 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. 1681 C. ( A ) ( 5 ) section states : N
o consumer reporting agency may make any consumer report containing any of the following items of information any othe
r adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX  DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've reached to XXXX regarding this fraudulent item being reported by Experian and requested an original contract with a wet signature to verify the alleged debt. XXXX has failed to provide the requested information and has violated my consumer rights per Title 15 USC code 6802. XXXX failed to provide any disclosures that would allow me to opt-out of reporting as a consumer, which is their obligation. XXXX and Experian continue to practice in an unlawful manner, which could lead to legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX To Management Named As : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This letter is to notify the management named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX that your company placed an unauthorized inquiry on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorizeon 3. Proof that I personally initiated this inquiry Either provide me with strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days, I will take legal action.

Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.

Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHMENT XXXX LETTERS AND DELETE ASAP. 

DELETE ALL ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This loan defaulted at a time when I was still in deferment in all other student loans. The company was impossible to communicate with and instead put my loan into default and his since issued a judgment. Every other student loan I have is current.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.