23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.
Product: Prepaid card

I am filing a complaint regarding my inability to obtain an Amex Serve prepaid card. I have applied multiple times but have been denied without any clear explanation. I believe this is in retaliation for an issue that occurred about XXXX years ago, during which I submitted a complaint and involved regulatory bodies to seek resolution. 

At that time, my Amex Serve card was incorrectly flagged for fraudulent activity when I attempted to transfer money from my checking account to the prepaid card. I had recently moved and hadn't updated my address, which seemed to cause the issue. Despite assurances from a high-level representative that the matter had been resolved, my card remained unusable. Frustrated with the continued dysfunction, I ultimately canceled the card myself. 

Since then, I have been unable to obtain a new card, and it feels as though I have been blacklisted despite having done nothing wrong. I was a loyal customer for years, and this situation is disheartening. I would like answers on why my applications are being denied and how this can be rectified. 

I would like to open an Amex Serve account, as I have done nothing wrong. If I am deemed ineligible, I request a detailed explanation for the refusal.
Product: Debt collection

I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from XXXXXX/XX/XXXX at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XXXX XXXX, 2002. I also have other documentation from XXXX regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use. 

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below.

Also, I am disturbed about this entire situation from Gemini Capital Group, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

hello paypal, please help me with my issue. issue happend between ( XX/XX/XXXX to XX/XX/XXXX of 2022 ) I am report Unautorized access to my account XXXX. 
All my information has been chaged, CHAGES MADE INTO ACCOUNT WAS UNAUTORIZED FINANCIAL INFORMATION WAS DELETE!!! 
NEW FINANCIAL INFORMATION WAS ADDED! 
ADDRESS WAS CHANGE. 
PHONE NUMBER WAS ADDED LOGIN FROM MULTIPLE LOCATION ( VPN ) i called paypal and custumer services told me that account was hacked using a vpn network for hack my account and now my accout has been permanet limited. 
the hack stole XXXX dollar to the XXXX  card, i said i did not made any withdraw. 

So, now she told me she cant help me. 



my account was perfect on first 6 months and now hack stole my money and made my account limited PLEASE I NEED HELP TO RESTORE MY ACCOUNT FOR fix the problem. 


I dont have access to my account XXXX XXXX
Product: Debt collection

NTL RECOVERY AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX XXXXXXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX  XXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXXXXXX {$390.00} XXXX XXXXXXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$30000.00} XXXX  XXXX {$710.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and   XXXX   XXXX    XXXX   XXXX . charges on my report were charged without my knowledge.
Product: Credit reporting or other personal consumer reports

I paid a third party collection company And now the original debt holder Affirm is refusing to remove from my credit report
Product: Debt collection

On XX/XX/2021 I sent certified letters to ARS ACCOUNT RESOLUTIONS requesting that they validate the debts that they have placed on my credit reports. They have violated several of my consumer rights. Failed to validate a debt at my request. They have continued to report a disputed debt .I requested that they follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature what they sent me does not validate per my request account # XXXX
Product: Debt collection

I don't understand that infomation you need. I don't know anything about the colleccion. A few months ago I found this SIMM ASSOCIATES collection which I sent letters for more than 30 days and I have not had any response from them, THEY DO NOT ANSWER THE LETTER I SEND THEM NOR DO THEY SEND THE INFORMATION REQUESTED TO VALIDATE THE DEBT
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 1681. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Vehicle loan or lease

* On XX/XX/XXXX I requested an understanding of the large payoff amount. 
* I purchased the vehicle on XX/XX/XXXX and while purchasing was told the payment would be about {$500.00} a month, and here 's the warranty that comes with it. 
* At no time was I told this was an additional cost. 
* I was told to sign the XXXX for the agreed purchase price but was unaware I was being charged {$1100.00} for a Maintenance Plan. 
* This was an unfair and deceptive practice by XXXX XXXX of XXXX ( XXXX XXXX XXXX ). 
* Additionally, after I reached out online to SETF concerning the large payoff amount, they were unresponsive to my claim and waited to respond with an explanation until 3 days before the first payment was due. 
* Again, I believe this to be an unfair & deceptive practice to decline responding in a timely fashion. I got an initial response on XX/XX/XXXX from " XXXX '' to which I asked for further research on XX/XX/XXXX. I received no response for 14 days until " XXXX '' asked to give them 2-3 business days. On XX/XX/XXXX I was asked to give 2 more days by " XXXX ''. 
* As a consumer I believe I was tricked and deceived into agreeing to a Maintenance Plan that was not fully disclosed. I attempted to resolve this with Toyota and have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and using my computer to get in touch with BOTH Experian and XXXX. 
NO human and website for Esperian is a disaster. CAN NOT get any information about a complaint. 
Can not get XXXX on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX - they are not a problem at the moment.
Product: Debt collection

I owed approximately XXXX dollars. While I was waiting for XXXX to be ok 'd, ( 2006 ) the first debt collector ( I do n't remember the name ) started to call me everyday, even on the weekend. I kept telling the person ( XXXX ) that I expected money in about two weeks and told him after several calls that I was going to receive XXXX for XXXX and XXXX. He started acting upset and said. oh no! He hung up and called our police dept and told them I had threatened to kill myself. The police called my home and my sister had to verify I was ok. A supervisor called me and tried to set up payment and I told them about XXXX XXXX actions. They told me they had fired him for those kind of tactics. I told them I would not pay the debt, instead of suing them, and they stop calling. A year later another debt collector XXXX started to call and harass me for the money, I told them the story of the other collector, and they bought a bad debt. I did not here from them until recently. Now they are calling me every week day sometimes twice a day. They continue to report this debt to credit agencies. The original debt is from 2006, I now receive XXXX and can not pay and feel I have been wronged and harassed. I 'm done. They have not sent any written communication, just keep calling after10 years. hopefully you can give me direction. 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 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

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, credit repair services, or other personal consumer reports

Capitol One/Walmart credit card was reported as 120 days past due when it was 90 days. The payment was made for all 90 days, 15 days prior to the report being filed. I attempted to explain what happened and point out that I had never missed a payment in the past, and they would not listen. The woman that I spoke to was extremely abusive to me. I paid {$490.00}. the day I received the letter from Capitol one and yet, they reported that it was not pain and was 120 days.
Product: Debt collection

i notice a negative item from CONVERGENT OUTSOURCING on my credit report on XX/XX/2020 for an alleged debt of XXXX that i do not owe, so i sent them a letter on XX/XX/2020 requesting information that is relevant to this matter.i haven't heard from them as of yet.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent using XXXX XXXX to a person for a personal matter, since the money was never available immediately, I took care and sent money using a different app BUT the original XXXX that I sent using XXXX by capital one until this day the payment status says sent and not delivered. The person never recieve the money and the money was deducted right away from my account. I place a claim with capital one bank and all they said was the claim was denied because there was no error in the transaction besides the fact that I don't have the money and the person never recieve it? Really? They gave me XXXX  phone number and told me to contact them. They know very well cause I most not be the first person with this type of issues that there's not such a thing like XXXX customer service, that number all it says to contact your bank if any issues. This is outrageous!
Product: Debt collection

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, XXXX FL XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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: Credit reporting, credit repair services, or other personal consumer reports

I did not consent authorization of these accounts. I would like them removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts that I had no idea about and some inquiries as well XXXX opened XX/XX/year> {$29000.00} XXXX XXXX opened XX/XX/year> {$2100.00} XXXX opened XX/XX/year> {$880.00} XXXX opened XXXX XXXX {$410.00} XXXX bank opened XX/XX/year> {$270.00} XXXX XXXX opened XXXX XXXX {$74.00} XXXX opened XXXX XXXX {$48.00} XXXX opened XXXX XXXX {$20.00} XXXX XXXX XXXXpened XX/XX/year> {$12.00} XXXX opened XXXX XXXX Diversified Adjustment opened XX/XX/year> {$260.00} XXXX finance XX/XX/year> balance XXXX $ limit {$500.00} XXXX {$43000.00}
Product: Credit card

I made a purchase on XX/XX/year> for {$160.00} with the merchant XXXX. I never received the order. I have provided documentation of the purchase and the complete conversation with XXXX stating that they are trying to refund me but because Chime has a chargeback request, they would need them to cancel the chargeback and provide documentation specifically stating that the chargeback has been closed. Chime has refused to do so they just keep denying the claim therefore XXXX is not able to assist, and they have advised me that since they will not provide the necessary documentation then Chime is responsible for the refund which they have refused
Product: Debt collection

The attached collection notice was uploaded to me on a previous complaint. This notice was never sent to me. It is a false statement the company is making that this collection notice was ever sent to me. They had 30 days to send me a written notification of the debt, which did not happen. As well, I requested a validation of the debt to be provided and 30 days to respond to the validation request. This request was never fulfilled. 

Attached is the lease documents that the company provided in my last complaint to the CFPB. With these documents they claim that the debt is validated. Where in the documents are my lease break terms or any information pertaining to the validation of the debt? There is no documentation proving that this is a valid debt nor have they validated the debt. It is a fraudulent debt and any attempts by myself to clear this up with the company or Hunter Warfield has been met with responses related to, " We don't care, pay us. '' To say this is a proper way of handling a debt collection from beginning to end would be far from the truth.