23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX full class member Borrower Defense to Repayment Applicant number : XXXX ( full discharge date - XX/XX/XXXX ) Navient School Misconduct Application acceptance and discharge - XX/XX/XXXX I am formally requesting, as per the FTC Holder in Due Course law, a refund of all principle and interest paid on the three private Navient College Advantage Loans. These loans were XXXX on XX/XX/XXXX due to the School Misconduct of XXXX XXXX XXXX and, as per the FTC Holder Rule, I am eligible as the consumer to a refund of all monies paid under this contract. This totals, for the three XXXX XXXX loans, a total of {$96000.00} for all payments toward the original principle as well as all interest incurred and paid for during the contract held by Navient. As stated in the FTC Holder Rule, Navient is responsible by law to refund those monies to me upon my request. To date, Navient has only offered a one month refund of {$850.00}, which is not sufficient to the harms incurred by this illicit contract. As my School Misconduct application and Borrower Defense to Repayment applications have both been approved, this shows that the evidence I have in my possession more than proves the misconduct of my school, including specific proof of tax fraud by XXXX. As the current holder of the contract when it was discharged, Navient is now responsible for the full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  appears on my credit-report ;  Requesting the inquiry be deleted. Already removed from my Exqufax credit-report.
Product: Mortgage

I am XXXX of the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX are XXXX legal residents whose name is in the Deed and they have been maintaining their residence here since XXXX. 
Recently XXXX XXXX passed away, at the time of her death she was in active XXXX after her XXXX XXXX  was dismissed. Her XXXX stayed the XXXX attempt by Select Portfolio Servicing. 
Unfortunately, XXXX XXXX, a law firm representing XXXX  notified us that our property was scheduled for XXXX on XX/XX/XXXX we didnt receive the letter until XX/XX/XXXX we werent given 30 days as per FDCPA to verify the debt. Soon after learning about the sale date we have written to XXXX of SPS  their XXXXn Department and send some document to show the proof of XXXX XXXX death along with some documents to show that if we get one postponement we might be able to secure the finance to pay off the house furthermore we send a prequalified letter to show we have a qualified buyer who is ready to buy the property. But to our dismay they are pursuing XXXX with no interest to help us retain our home. Their XXXX Department is supposed to help consumers, but their act makes them look like they are ingenious, and they have no intention to help consumers. It's a shame. 
We like you to help us with this difficult situation to save the roof over our head while we are mourning for our loss.
Product: Credit card

Hi, my name is XXXX XXXX. All of my Chase credit cards were closed by Chase Bank. I received their letter saying that I have too many disputed transactions on my account. However, I have provided all the details for all the disputes I raised. I met several fraudulent transactions as well. I am very unsatisfied with the Chase security system and alert system, which always malfunction when needed. Chase is not willing to help me reopen my card. Please help me keep my bank card open.
Product: Debt collection

My Name is XXXX XXXX, XXXX. I spoke with XXXX XXXX at Southern Management XXXX XXXX about a debt owed from XXXX XXXX Apartments. After reviewing the lease contract he found that lease did not have my information on it. He told me he was going to correct the mistake and take it off my credit. 

I contacted him today because the debt is still showing on my credit. And XXXX told me he had no plans to remove it now. I know the phone calls are recorded. My phone number is XXXX. I spoke with XXXX before the week before XXXX XXXX and today XX/XX/XXXX. 

I need your help. i hear great things about this agency. Please feel free to contact me on my cell : XXXX or by email 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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}
Product: Money transfer, virtual currency, or money service

I have an cryptocurrency account with XXXX on the XX/XX/2021 my account got frozen for no reason mentioned to me with {$44000.00} USD stuck in, I reached out to Gemini support to resolve the issue, my support ticket number # XXXX it took them two weeks to get in touch with me. On XXXX XXXX I got this response below from one of XXXX support : Hi, Thank you for reaching out. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with XXXX. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ Shuttle ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini Dropzone : After doing what I was asked to do, it's been more than 6 weeks and I'm yet to get a response from Gemini and its support team. My account is frozen and my cash stuck in without any access to it. I want my account back. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692g and FCRA section 623 Responsibilities of furnisher of information. 
XXXX XXXX Account number- XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX  Account number- XXXX XXXX XXXX Account number- XXXX XXXX Account number- XXXX XXXX XXXX Account number- XXXX XXXX XXXX Account number- XXXXXXXX XXXX XXXX Account number- XXXX has violated my rights. 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act I request proof of the purchase agreement of alleged debts by the original creditor. 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money
Product: Debt collection

I am disputing the validity of this debt. I have been sent bills from this company that is not accurate and I feel that I do not owe this debt.
Product: Mortgage

Carrington Mortgage LLC was not the original loan holder for my house. Over the course of 3 years they acquired the mortgage. In XXXX 2015, South Carolina had massive amounts of flooding and many homes were damaged. Carrington Mortgage LLC took it upon themselves to send an inspector out to the home to inspect for damage and then subsequently charge XXXX dollars for the inspection. 
The problem I have is : 1. Not one point in this process did Carrington Mortgage reach out to me via email, mail or phone call to notify me of the inspection. 
2. Carrington did not provide me a report detailing what the inspection covered. Reviewing my XXXX 2015 billing statement, the inspection fee was listed and that 's how I found out 3. Carrington was unable to provide where in my mortgage documents stating that the fee they charged, I had to pay. They mailed me a copy of the documents circled a paragraph. In the paragraph it states nothing about an inspection after a disaster, nothing about an inspection that the mortgage company wants to do or anything. The paragraph clearly states that I must pay for all taxes, assessments, fines etc for the property. 
4. I am not even sure the company performed the inspection, as I was n't there or notified 5. Calling them is useless as they cant do anything over the phone. Everything has to be mailed or faxed. I have called three times to speak to them, each time a request must be sent to the Research Department for them to review and get back to me, approx. 30 days. When requested to be transferred by phone to the research department, they say they are unable to take phone calls. 

During a time of disasters companies find ways to profit from it. I think Carrington is one of those companies. Although {$15.00} is not a lot of money from one person, it could add up from XXXX or XXXX of people in SC that got charged this fee from Carrington. The home inspection, if they performed it, was to benefit the company not the consumer. This was them protecting themselves as such, they should be the ones to pay the fee.
Product: Credit card

I immediately called the number ( XXXX ) shown next to the unauthorized charges and vented my objections. After our discussion, the representative agreed to cancel the charges and provided cancellation # XXXX. I sent the information to the Citi after calling them and requesting that my card be canceled. Citi representative during the call instructed me to pay the minimum amount required ( ( {$41.00} ) to prevent being charged a late fee. Attached is my correspondence with Citi and their responses.
Product: Credit reporting or other personal consumer reports

I asked the company to remove the debt because it was not mine
Product: Money transfer, virtual currency, or money service

Truist Bank accepted a wire transfer of {$52000.00} on XX/XX/2022. The money transfer was initiated through XXXX bank. Truist Bank wire reference number is XXXX. 

XXXX bank ask for a recall of the fund on two different times and received no response from Truist Bank. XXXX XXXX spoke with XXXX XXXX XX/XX/2022 the manager at Tuist Bank and she said, any issues must be directed through the wire transfer department bank to bank. 

XXXX bank suggested I seek Legal Counsel.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX  account in XXXX that was a joint with my ex and it was indeed closed and charged off. The account that is still on my account shows XXXX which is indeed NOT mine was opened in Arizona using my information. I have never lived in AZ not ever been there until XXXX even to visit. I was able to confirm with XXXX XXXX XXXX XXXXXX/XX/XXXX that this indeed is not my account. I have been trying for hate last two years to get it off, and none of the bureaus would do so. XXXX XXXX XXXX has given me a claim number as well for their files as well as for all credit bureaus to use so it may be removed immediately from my record as it is hurting my credit score. That claim number is as follows XXXX
Product: Money transfer, virtual currency, or money service

XXXX payment sent to coltgunstore.com for order to send to XXXX  .XXXX  payment sent from TD Bank Checking Acct. to via XXXX on XX/XX/XXXX. 

To : XXXX XXXX ( Colt Store ) at XXXX From : TD Bank, Personal Checking, XXXX Sent : Sunday, XX/XX/XXXX Deposited : Sunday, XX/XX/XXXX Speed : Within Minutes Reason : Order XXXX. XXXX  XXXX  ( XXXX ) XXXX {$890.00} Payment ID : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I engaged with Equifax Supervisor XXXX regarding XXXX # XXXX. Upon reviewing the status of my disputes via the Equifax portal, I discovered that my complaint was closed within one business day without explanation. Attached, you will find evidence confirming that the dispute was closed prematurely, without providing the required Method of Verification under FCRA 611 ( 15 U.S.C. 16811 ). Equifax has failed to : conduct a comprehensive reinvestigation of all disputed accounts associated with my prior identity theft complaint ; provide detailed documentation of all sources of information used in their verification, including specific furnishers or third-party entities ; and confirm whether the FTC was contacted and whether due diligence was followed concerning my identity theft complaint. This lack of action appears to be in direct violation of the legal responsibilities imposed upon credit reporting agencies. The court in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), clearly established that credit reporting agencies bear significant responsibility in ensuring the accuracy of reports and must adequately address disputes involving identity theft. Furthermore, by refusing to block fraudulent entries on my report, Equifax is knowingly and willfully neglecting its duty. In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX highlighted the consumer 's right to a fair investigation by credit reporting agencies. Equifaxs failure to fulfill its legal obligations also contravenes the CFPB 's XXXX bulletin emphasizing the responsibilities of credit reporting agencies in handling identity theft complaints.
Product: Credit card or prepaid card

I have hit financial hardship and have emailed this company multiple times for help. I am hard of hearing and they dont provide anything other than their number. I found an email and they have gone ignored. I am requesting assistance but instead my XXXX XXXX has been hit with derogatory remarks.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$280.00} DEPTEDXXXX  XXXX Balance : {$68000.00} XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance XXXX {$1200.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, a fraudulent XXXX XXXX XXXX account was opened in my name due to identity theft. I first discovered this account on my credit reports and promptly disputed it with both TransUnion and Equifax, providing extensive documentation to prove it was fraudulent, including a police report, an FTC Identity Theft Affidavit, and proof of my identity and residence. After multiple disputes, the account was initially removed from my credit reports, which I confirmed at the time.

However, the same fraudulent account has since reappeared on my credit reports maintained by both TransUnion and Equifax. I have now disputed this item seven times, with my most recent disputes filed on XX/XX/XXXX. Each time, I submitted the same supporting documentation proving the account was opened fraudulently. Despite this, both credit bureaus have refused to permanently remove the account, claiming it has been verified, though they have not provided clear details on how they investigated or why they continue to list it. 
For example, in my XX/XX/XXXX, dispute letters, I requested a detailed reinvestigation, full disclosure of their investigation processes, and immediate removal of the account under the Fair Credit Reporting Act ( FCRA ). I cited their obligations under FCRA Section 611 ( for TransUnion ) and Section 605B ( for Equifax ) to remove unverifiable or fraudulent information, but neither bureau has complied fully. Instead, the account remains, negatively impacting my credit score and financial opportunities. 
I have taken consistent action since discovering this issue, filing disputes repeatedly over the past several years and providing all required evidence. The credit bureaus failure to resolve this matter, despite the account being previously deleted and my clear evidence of identity theft, suggests a significant breakdown in their dispute processes. I am seeking a permanent removal of this fraudulent account and a correction of my credit reports. 
Key dates : Account opened fraudulently : XX/XX/XXXX Most recent disputes filed : XX/XX/XXXX Multiple prior disputes : Ongoing since discovery, with temporary removal achieved previously
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights account opened XX/XX/2021 for {$1200.00} 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 card or prepaid card

I received a Jet Blue Mastercard credit card from Barclays Bank, which I never requested or accepted. I did not activate it. I now am receiving daily bills from Barclays Bank for charges that I didn't make. I called the bank, but the representative would not speak with me unless I gave my name, date of birth, and last four numbers of my social security number. I do not want to give the bank that personal information.
Product: Credit card or prepaid card

XXXX is the worst company you could ever in the world, they will steal your information and use it elsewhere. They sent me a card that can not be used, they took my money, & told me there is nothing they can do. Their customer service representative loves arguing with you and telling you wrong leaving you feeling like youre wrong & youre not a customer. I wouldnt recommend this company. Definitely apply for XXXX XXXX they have lovely representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a XXXX is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly.

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know.

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

Sincerely, XXXX XXXX