23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navient ( Sallie Mae ) was presented with a cease and desist in XXXX that was illicitly processed by XXXX University ( XXXX ) in California in XX/XX/XXXX. I tried over several years to have the loan dismissed as XXXX processed the loan application as part of the initial application packet without my knowledge and failed to inform me that the loan had been processed. When I received the invoices from Sallie Mae it was too late to cancel the application with XXXX XXXX as they had a 7 day rule cancellation policy. After several years of trying to work with Sallie Mae and never attending a single class at Sallie Mae I sent a cease and desist to Sallie Mae stating that the loan was fraudently processed by XXXX and that I had never attended a single class. The cease and desist stated that unless Sallie Mae intended to take me to court over this matter to cease and desist all attempts to collect the debt. As of today, XX/XX/XXXX I received a phone call from a debt collector ( XXXX ) stating they were trying collect a debt for Navient, referencing the same XX/XX/XXXX debt mentioned above. I informed the company that called that a cease and desist was in place and that I didn't want to receive any further contact from them. They stated they would comply. This complaint is against Navient for their pursuit of this matter, and obvious disregard of the cease and desist request and the over 20 yrs of time that has elapsed.
Product: Debt collection

The Company Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WA XXXX. 
Debt is a balance of XXXX $ from which I have no Idea where. 
I have called to have this resolved but they can't speak to me because they can't verify my social security number. The one they have is not mine. I have disputed this through experian twice and Receivable Management validates its my debt. A previous collection company had this debt and removed it immediately when they could not verify me over the phone because the social they have is not mine. The address they have is not mine.The debt is not mine. I have been trying to resolve this for a year. 
I call XXXX and the last rep I spoke to was XXXX XXXX I have called and asked my rights but they can't help me because they can't verify me. I keep getting told I will get a call back from " Quality ''. I never get any communication. Written or Verbal. 
I have communicated by : Certified letter that was refused Emailed them, calling in, and disputing via XXXX Credit Services
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

I applied online on XX/XX/year> for a Chase Saphire Reserve credit card from Chase bank, and I received an email that day thanking me for applying. On XX/XX/year>, I received an email stating that I " have a new letter, '' which I was unable to access online due to not having any accounts currently open with Chase. I called customer service inquiring about the contents of the letter, and they said that the letter said I would hear a determination on my credit card approval or denial in writing within 14 days. Today, XX/XX/year>, I called Chase customer service again due to not heard anything from Chase via mail or email regarding the status of my application since my last contact with them on XXXX, and I have not received any communication requesting additional information, which I am willing to provide if needed to verify my income, etc. I was told by customer service that my application is still " under review. '' I inquired about a timeline for hearing a determination, and they were unable to provide any information. I also asked to speak with someone about the possible timeline, reasons for this delay in approval/denial, and any information that they might need from me, and they said there was no one I could talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts to correct my Credit File, you have been constantly failing to comply with my requests. When I checked my credit record, the discovered billing problem are still reporting on the payment history of the disputed accounts. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. I need you to remove the late payments from the payment history of the following accounts : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$0.00}. You have also not sent me copies of proof of verification from you investigation. Failure to provide these documents should already be assumed the correction of the disputed accounts.
Product: Credit card or prepaid card

I applied for a wells fargo secured credit card to build credit without reading all the horrible reviews on this card. 
The address in which i applied as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on XX/XX/2017 The clerk told me if I made on time payments and paid more than my minimum I should be approved within a year or less. 
I've called for an upgrade to a credit line a few times & I am given 3 reasons which I dont agree with, 1 being other deliquent accounts which was never explained to me. My credit wasnt good to begin with which is why I went with a secured card to Build my credit. 
Ive never received any paperworks proving that there has been a deny on a credit line or reason why. 
I now have 3 other credit cards which are not secure and I dont understand why my card can not be upgraded. 
I was given false information from this branch, made on time payments, always paid more than my minimum havent went over my limit which was told I would need to do to upgrade. And now i cant upgrade because i have deliquent accounts which are unrelated to Well Fargo overall. 
This is my oldest account and it will hurt my credit to close. 
This is not right and they lied to take a deposit for an account that will stay secured forever and may never be upgraded according to the bank now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 JPMCB AUTO XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank purchased my mortgage from XXXX on XX/XX/XXXX. 
PNC Bank refuses to report my payments ( XXXX XXXX ) to the credit bureaus because I had a bankrupty XX/XX/XXXX. 
I reaffirmed my mortgage and have never been late with any lenders. 

I have been trying to reach my attorney by email and phone but no answers. 
XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting unauthorized, unverifiable account from my consumer report
Product: Money transfer, virtual currency, or money service

on XXXX a scammer posing as Coinbase support contacted me while I was in my Coinbase account and gained access. This scammer could do no harm as they had no access to my XXXX ( XXXX authenticator ). For unknown reason, Coinbase allowed this scammer to change my XXXX without my consent allowing the thief to transfer/steal my largest assets in less than an hour. Coinbase sent a simple e-mail notifying me of this change at XXXX XXXX, which left me no reasonable time to react. my account was emptied by XXXX. I reported this breach around XXXX XXXX. Coinbase denies any responsibility dispite taking no action to verify this highly suspicious alteration of the key security feature protecting my account. No legitimate account holder would need/want to change their XXXX to then wipe out their own account. Total of {$17000.00} current value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Product: Student loan

I am currently paying almost {$800.00} a month for my loans and after asking around found out that is pretty high. Most people I know with loans aren't paying more than {$300.00} a month. I had no problem paying that amount until I just got a new car with a {$300.00} dollar monthly payment that will make it impossible for me to afford all my expenses. When I called Navient to have it lowered they said my co-signer should help pay for it. I told them he won't and shouldn't and that I tried to get him removed but they gave me very vague reasons why he couldn't be removed. One of the reasons after I asked for more details is because my income is not sufficient enough to afford the monthly payments. So I don't know why they wouldn't mean the payments should be lowered as then I could have the sufficient income. Online I was under the impression I had to fill out the co-signer form AFTER 12 consecutive months of paying and after giving it to them they said I was suppose to fill out the form, that was going to get rejected regardless, THEN wait 12 more months of consecutive payments. Which would not matter after 12 months because I did that already and they still said I have insufficient income. I need help getting this outrageous amount lowered or I will barely get by as my monthly income is good but with all my other expenses I have I will have nothing left over to start saving. Please help!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( LISTED BELOW ), 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. XXXX  NAME ; XXXX # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX. I didn't say that's its incorrect. I asked to remove it because I'm a small business owner and my vendors have dropped me because of this.. now remove the accounts or I'll sue for violation of my rights under the constitution!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( FCCFINANCE {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX Dispute file numberXXXX XXXX XXXX Creditor has agreed to remove account FCCFINANCE {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX FCCFINANCE {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Product: Debt collection

I have called to ask for a validation with the company Jefferson capital my signature license anything also have asked three of the major credit bureau to check for me. I was told it was validated when asked how I was told my name and social is enough to validate. I was told by the company the bill was sent somewhere when I asked where I was told a merged/ wrong address. The address I was given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have supplied my license as proof that That address does not exist still have not had a response I am up to multiple disputes.For clarification my address is XXXX XXXX XXXX XXXX XXXX ND XXXX. Also they keep changing the open date which is making my credit yoyo up and down this effecting me negatively I want this removed from my reports.
Product: Mortgage

My mortgage was originally {$1900.00}, however it increased around last XXXX to about {$2300.00} and now it is {$2100.00}. I was told that the increase was to satisfy my property taxes that I have a tax abatement for. I have been paying an additional XXXX XXXX in my mortgage without explanation for over a year. I contacted the mortgage company via email and their response was about the taxes however I can see that my property taxes are {$900.00} there is no reason why this amount is continuously coming out, {$900.00} would be satisfied in a 3 months not the entire year. I have called and sent emails to get further clarification and no one wants to provide me with an answer as to why I have had to pay additional fees. When I call, they have no answers and when I email they do not respond. 

They have also banned me from paying online. I have been with this company since my mortgage was sold in 2021, it has been extremely problematic and inconvenient. They don't respond to emails and when you are on a call you get conflicting information depending on which rep you are speaking to. I pay on time all the time. They were claiming to draft payments on specific dates but they wouldn't and it would XXXX up my banking and how I have my bills scheduled. I sent them a cashiers check as they demanded and then they told me they applied my payment to the wrong loan but have resolved the issue. I get a notification from all of my credit apps saying that my credit had dropped XXXX points. After they applied my payment to the wrong loan they decided to put a late payment on my credit report. No resolution at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in the XXXX data breach. Somebody has used my personal information fraudulently.
Product: Prepaid card

The issue is with the company Rushcard ... ... I have gone over a week without accessing my funds due to a technical glitch in their system upgrade. tried to contact Customer Service on several occasions was on hold for a very long time and hung up on by customer service
Product: Credit reporting or other personal consumer reports

Unable to access online account. 
All my requests have not been resolved. 
This issue dates back to XXXX
Product: Debt collection

I sent a letter to account services regarding account XXXX asking for verification and validation of this account. I was notified that it was verified without any proof of documents in original form with my signature. and no proof of a fair and thorough investigation.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Complaint Against : Wells Fargo XXXX XXXX Issue : Fraudulent Refund Check for Expired XXXX XXXX Money Order I mailed an expired {$500.00} XXXX XXXX Money Order to XXXX XXXX with the XXXX XXXX refund form. 

I received a {$470.00} Wells Fargo check as a refund for an expired {$500.00} XXXX XXXX money order. 

I deposited the check into my Wells Fargo checking account on XX/XX/2019 and it was returned, unpaid, on XX/XX/2019. 

I am requesting a 100 % refund of the {$500.00} paid with a Bank/Cashier 's check. 

There has been no reply from either XXXX XXXX or Wells Fargo. 

It appears that both XXXX XXXX and Wells Fargo are in a conspiracy to not pay refunds for expired money orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaints against Mays for reporting a account on my credit file that is not mine. They responded with generic information and provided an email as confirmation of the debt. That email isn't even mine! I have received calls from Macys as well and the information they have on file is not mine either! when i tell them it is not my social they have on file they say ok and they will remove me from the collections list and the next day i will get the same phone call from another representative. This debt is not mine!! I need more proof, a signed contract with my information on it. If they can not be provide this information then i need the account removed from my credit file!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 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. Code 1692c 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 Several inaccuracies in reporting as per FRCA guidelines