23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am an   XXXX   at  XXXX   XXXX   XXXX   XXXX  writing to complain about the debt collection conduct of  Navient  in regards to my client.   My client graduated from  XXXX  with a degree in   XXXX  . She worked steadily for about 10 years when she was laid off in  XXXX  o f 2016. Sin ce then, she has been unemployed and struggling to find a job. My client is now in the process of starting her own business as a  XXXX . To attend  XXXX , she took out private loans with  XXXX   XXXX , which she paid regularly over the course of the time she was employed. Abo ut six mo nths ago, she ran out of money and was forced to stop making payments on her loan if she wanted to have adequate resources to pay for rent and food. Her  XXXX   XXXX  loan, which was transferred to Navient, has a balance of {$3900.00} wit h a 10.5 % inte rest rate.   Since she stopped payments, Navient has been inundating my client with calls, as often as twice a week. In the calls,  Navient  always insists she makes a payment even though my client explains she has no money with which to make it. Callers have accused her of being unwilling to pay and refusing to pay, have asked her personal questions about how she is paying her other bills, and are threatening to sue her. She asked at the beginning of her hardship if she could use a forbearance, and they told her she did n't have any forbearance left. Recently, she got a phone call saying she actually had 12 months forbearance left, and if she pays them {$50.00}, they will count the  last six mon ths she hasnt been paying as forbearance, but then will force her to go back into repayment. This would waste her forbearance and have no effect, as her  credit score  has already dropped precipitously, from about  XXXX  to in the  XXXX  range, due to the consequences of her not having been granted forbearance originally. Since that call, they have continued with the harassing calls.
Product: Credit card or prepaid card

I could not believe what I saw when I pulled my credit report. There were these late payments below. 

XXXX Date Late XXXX XXXX, XXXX Date Late XXXX XXXX I have no idea how this could have possibly happened, I believe that I made all the payments on time and I have a XXXX balance on the accounts.
Product: Credit card or prepaid card

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO BANK OF AMERICA IN REGARDS TO THE FRAUDULENT ACCOUNT WHICH WAS OPENED UNDER MY NAME, I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES DON'T BELONG TO ME. THIS CARD WAS OPENED WITHOUT MY CONSENT AND WITHOUT MY KNOWLEDGE.
Product: Credit card or prepaid card

Synchrony bank has charged me for a Card Security fee without my authorization and told me they would cease this service and give me a refund within 1 week. I have yet to hear back from the company and yet to hear about anything regarding a refund to my account. The past year I have been receiving a XXXX dollar Card Security Fee without my authorization.
Product: Mortgage

A hardship package was submitted to Wells Fargo on XXXX XXXX, 2015. Client was approved for a XXXX trial plan in the amount of {$2000.00} for payments due on XXXX, XXXX and XXXX. The escrow amount of the PITI payment was extremely high ( $ XXXX/month ). We asked several times for clarification from Wells Fargo on the breakdown of the escrow, but they were never able to fully explain why the amount was so high. We also spoke with XXXX XXXX and they provided a declarations page showing an amount that was much lower. The borrower subsequently fell behind on the trial payments due to the high payment ( {$630.00} more a month than the amount provided by XXXX XXXX XXXX. We tried to submit another hardship package so this can be appropriately reviewed but they told us that the only way we can qualify for a resubmission is if my income has been reduced. Client is still struggling to make his mortgage payment due to huge escrow payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

Well this was back XXXX XXXX when reached out for help to Lexington law firm, living in a apartment trying to get a house so I contact them to help me remove stuff off my credit they told me to get started i had to pay XXXX an the same each month after that until it was done an they promised to keep me updated on the progress but never did XXXX kept taking money off my card for years then I notice more bad reports going more on my credit reached back out no answer. I don't have any documents for this cause I never got sent anything from them but emails which I no longer have that email
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called Trans Union in regards to credit inquires that I didn't recognize on my credit report. I told them that this information is false and they said that they can't take care of it. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX  XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX  allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from 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 owner : Individual account Original creditor : XXXX XXXX XXXX Date reported : XX/XX/XXXX Date assigned : XX/XX/XXXX Account status : Unpaid Amount : {$1700.00} 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 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

Buy a water filter for {$4500.00} with monthly payments of {$47.00} every month for 7 years. The first four payments were made with the debit bank card information without problems. In XXXX I went to pay with the card and they didn't accept it because it had to be with the checking account and at that time I didn't have it and they blocked my call. I called them several times to make the payment and they did not answer me. Now in bad faith they preported me four late payments to the credit bureau companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts REGIONS BANK XXXX XXXX  : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my consumer report from LexisNexis online several months ago and there were name and address errors on the report. I contacted LexisNexis by telephone and disputed these errors with one of their customer service agents. I also placed a security freeze on my LexisNexis file. I was given a consumer and case number that matches both the dispute and security freeze file. I received a Security Freeze Confirmation letter on XX/XX/2020. On the Results of the Reinvestigation letter LexisNexis sent me on XX/XX/2020, LexisNexis said they verified that a bankruptcy case was accurately reporting on my LexisNexis XXXX report. On XX/XX/2020, I sent LexisNexis a certified letter with return receipt service requesting the Method of Verification that was used to verify the bankruptcy case that they stated had been verified by them using the assigned consumer and customer number according to the Fair Credit Reporting Act. Within 15 business days, LexisNexis did not send me a description of the procedure they used to verify the bankruptcy or the business name, address, and telephone number that they contacted to verify the bankruptcy case with. What I received from Lexisnexis was a letter that said additional information was required to process my request. They attached a blank Lexisnexis Request Form with a different consumer and case number to be completed and mailed back to them.
Product: Checking or savings account

My card was taken and used by someone. It couldve been my ex wife or someone else. However I have proof from capital one that the incorrect PIN number was entered multiple times. I filed a police report also. I also went to the capital one bank and the manager pulled up the video surveillance system and confirmed it was not me they withdrew the money and also that the incorrect PIN number was entered multiple times. So there is multiple types of proof of fraud. The first unauthorized transactions were back to back withdrawals of XXXX XXXX then another XXXXXXXX XXXX then another XXXXXXXX XXXX all at the same time. Then they went to XXXX XXXX and spent {$2300.00}. Then XXXX and spent over XXXX XXXX And then they withdrew even more money after that. So theres video surveillance proof of fraud and theres the incorrect PIN number entered multiple times. I reported the unauthorized charges within 1 business day of them happening. However even with the video proof and incorrect PIN number entered capital one denied giving me my Money back and they are holding me liable. The manager at the capital one bank was very nice and he was shocked that the main capital one office denied me getting this money back because of the video surveillance proof we saw. I attatched the police report and I attached the denial email from capital one saying that they didnt find a error. Which is not true. There was a error. The PIN number was entered incorrectly the first few times. And theres video surveillance proof of fraud. I attached a email from capital one with the exact claim # s for this fraud. 
Please help me get this money back.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please delete account XXXX XXXX XXXX bal {$62.00}
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and was shocked and confused. I check my credit report regularly, and this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just an error, but the inquiries remained. I am deeply concerned and request a thorough review of the documents Ive provided to resolve this issue swiftly and prevent future worries.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LJ ROSS ( Original Creditor : 08 XXXX XXXX ). Please change the status to Paid or simply " Remove '' the accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$370.00} ; LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year 2022. While reviewing my financial records, I discovered that there is an account with LOBEL FINANCIAL CORP that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. Thank you for your understanding and prompt attention to this matter. I value the services provided by LOBEL FINANCIAL CORP and look forward to resolving this issue so that I can fulfill my tax obligations accurately. Sincerely, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to reply to any of my debt validation letters after multiple attempts. They have also failed to validate the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report. 
Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Product: Checking or savings account

I originally used my virtual card provided by XXXX XXXX  for XXXX XXXX XXXX XXXX to purchase what was supposed to be one item for XXXX. The company charged me an additional XXXX dollars for an item I did not authorize nor approve. I tried reaching out to the merchant several times just to be forced to deal with spam bots and robo dial systems that do not allow you to reach an operator. I also email the company and used their internal contact us form. XXXX XXXX claimed that they were not going to process the refund nor a dispute because I authorized the first transaction for the XXXX even though the other XXXX dollar transaction was a fraudulent unauthorized transaction I immediately tried to flag and also contact the merchant for. XXXX XXXX refuses to process a dispute or refund for the charges. I have already contacted the merchant and still have not received any product from their company nor official response. The number provided for the company is a robo system that hangs up on you no matter what time you call and it says you have reached them outside of business hours.
Product: Checking or savings account

For the third time, I received a debit card for an account that I had not opened from ( in this case ) Square. Although the card says " Issued by XXXX Bank '', which is a bank based in Ohio, according to XXXX Bank, Square uses XXXX Bank 's institutional identity to issue the debit cards but the accounts are opened through Square ( or Block as I believe it is now called ). In the previous two cases, I received debit cards from CashApp but this is apparently also through Square or Block. 

I have asked Square to again cancel these accounts but I keep receiving these new debit cards as if the accounts are still open. I would like to have written confirmation from Square/Block that they will not open any more accounts or issue more debit cards using my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.