23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private student loan through Navient ( formerly XXXX XXXX ). I feel this loan was made with predatory intentions. As I entered my final year of undergraduate education at Louisiana XXXX University in XXXX XXXX, I was told there would not be enough funding available and my only option would be a private student loan. ( Had I known how this loan would work I would have used another lender. ) I was referred to XXXX XXXX as it was the largest lender for these types of loans. 

After graduation I decided to continue my education and pursue a XXXX. After being accepted into the program it was another four years until I graduated with a XXXX ( XXXX ). The entire time interest accrued on that original loan at 9.5 %, which I feel is an unfairly high rate considering I had relatively good credit while working part time during college. Again, I needed money to finish school and should have looked for better options. So, now fast forward a year. What I did not realize was that I was only able to receive one year of forbearance on this loan. After graduation I made a series of business loans to start XXXX. My business has grown steadily over the last two years but income is irregular in that I am at the mercy of insurance companies for reimbursement. On some months income wanes and I do not make enough to cover all of my expenses. I called Navient to discuss a short one month forbearance so my credit would not be affected and was told I was no longer eligible and should just skip the payment. I did that and then later was able to catch up. Now we have a a bit of a slow period and I have not been able to make a payment for 4 months. I have spoken with Navient several times and usually were not willing to take anything less than the total amount past due. I spoke with them today and they offered a reduced payment for 15 months but I would need to pay them XXXX dollars by Friday. I do not have an extra XXXX dollars at this time. I was told I would be receiving a letter from their attorney. The person I spoke with liked to raise her voice quit often when I explained that my business and living expenses come first and then if anything is left I could pay the amount they requested. I am very frustrated with this company and have had very rude calls to my home line and my business line. I feel that this loan was originally made in a predatory fashion and I was taken advantage of as countless others have also been victims of this company. My original loan was for XXXX dollars. Now the debt is over XXXX. I have explained to them many times that I intend to pay the debt but they are no longer willing to work with me. Today they threatened me with wage garnishment. My response is that I would then be forced to apply for bankruptcy and attempt to have this debt either discharged in chapter XXXX or reduced in chapter XXXX. I do not want to do that but they may force my hand.
Product: Credit card or prepaid card

I received a form letter from American Express today to inform me that the APR on my card is being increased to 16.49 effective X/XX/18. The reason listed was because my current APR is lower than average APRs on similar cards in the marketplace for consumers with similar credit profiles. 
The notice gave a number to call with questions, so I called American Express to ask why given my 17 year relationship, the fact that I have never been late and my credit profile ( as they referred to it ) has not changed in the past 12 months. 
The agent I spoke to said that I was unable to dispute the change, although she did acknowledge my tenure as a customer. 
Additionally I had to ask specifically for my current APR, which is 12.49 % to have American Express acknowledge that they are increasing my APR by 4 %. 
The notice I received in the mail did not list my current APR and demonstrate and adequate basis for a 4 % increase in my opinion. 
There appears to be an ineffective process at American Express for consumers to complain about changes at a personal level. 
I object to the increase and I am asking American express to acknowledge my tenure and performance as a customer as a reason NOT to increase my APR by 4 %. 
The letter provided is a " boiler plate '' FICO based decision as far as I can tell and there has been no change in my credit profile over the past 12 months. 
Moreover, I actually use American Express to monitor my credit profile and have done so for a number of years, so I know my credit profile has not changed.
Product: Debt collection

In XXXX of 2021, I had XXXX ER visits to XXXX XXXX XXXX ( XXXX, OH ). The debt ( about {$2000.00} ) went into collection last year but I paid and settled the debt ( around {$1300.00} ) with XXXX XXXX XXXX on XXXX/XXXX/2021. I have a screenshot of my bank statement. 

Another debt collector XXXX XXXX has been calling me and sending me mail about the same debt. I told one of their reps on the phone that I paid it off last year. I just checked my credit score and they put two delinquencies on my account for the debt that I have already paid. XXXX accounts ( for the XXXX ER visits ) for about {$1100.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXTexas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion  are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 {$280.00} was reported to my account as my debt. I hired the credit people to dispute this account.
Product: Credit reporting or other personal consumer reports

I filed a dispute for a collection with TransUnion ( File number : XXXX ) and it has now been over 35 days and they still have not made a decision or notified me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. # XXXX, 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.
Product: Credit reporting or other personal consumer reports

i have disputed a lot of fraudalent accounts, due to identity theft onto my credit reports with experian, equifax, transunion and it seems as if transunion has a lot of corresponding mailing address and i have reported that i am victim of data breach, dark web fraud, unusual credit activity, hard inquiries onto my credit reports my credit score is super low for the longest time and also credit bureaus seem to argue as oppose to correcting the issue, deragatory information being given doesnt apply to me I am tired of stating that i am a victim of XXXX trafficking, and a victim of identity theft i contact the credit bureaus and they erase their errors instead of offering me a compensation of some sort for my financial hardship and etc. My credit score with all three credit bureaus should be at 750 or above I should only have two accounts onto my credit reports XXXX being XXXX XXXX, and the other being XXXX XXXX XXXX XXXX with the total amount of {$2200.00}. And those are the only two things I should have with no faul statements, comments, deragatory misuse of my personal credit. No state department should be taxing me for my unemployment, XXXX benefits. There should be no tax XXXX placed in my name only to steal from me. There should be no third party collector involved in anything that i didnt speak with anyone directly. i shouldnt be denied credit at this time and age. I should not have to be out there suffering because some hackers feels like targeting me for what ever reason. I have rights and i am a XXXX citizen that is not a ghost to this world but a human existance that needs to not be a hostile but herself without any further objections. I am not married to no XXXX XXXX XXXX. Nor do I have a XXXX XXXXXXXX, nor am i a XXXX case of anytype and I am not in any way XXXX. Nor a juvenile dependency in any way at XXXX.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX  Account Number : XXXXXXXX XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER DEPTEDXXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 168XXXXB - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}
Product: Checking or savings account

I did a totally legal sale of a home in XXXX XXXX, Virginia. I took a cashiers check to pay off my mortgage with XXXX XXXX XXXX XXXX in XXXX, VA for XXXX dollars. They in turn gave me a check for XXXX in return for the overpayment. This was a Certified Cashiers Check. I deposited the check at an ATM for Truist bank in XXXX XXXX, NC. Then some overzealous Fraud Investigator at Truist Bank locked up my ac count for 7 days pending investigation. I have banked with Truist ( BB & T ) for 28 years. I am a XXXX XXXX XXXX XXXX and a former XXXX XXXX XXXXXXXX XXXX. I have spoken numerous times to the fraud department and then went to the Local Truist bank Manager and She has been trying to help. In the mean time my account has been locked for 3 days and I have automatic debits bouncing and am worried that my excellant credit rating will be ruined. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/30 I tried to pay an invoice I received through XXXX when I reset my password because I was unable to access this account, I found out the account was in somebody else name with fake address and dont know what else fake info used. XXXX let someone else use my email to access my account without a minimum security step.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a loan as mine that I never cosigned for. It is my sister 's loan. I've tried to get it off my credit report, but they refuse. The debt is over XXXX XXXX XXXX, to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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