23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently in a debt consolidation program which this debt is being handle and it is been acknowledged by parent company however this company still ignores and contacts outside of the program payments to collect anyway. At all times and at work and other contacts.
Product: Debt collection

I requested that they allow me to validate the alleged debt. provide me with a breakdown of all charges, dates of service and procedures given including fees associated. My dispute was denied and debt was never verified but the collection remained on my credit report, negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off AccounXXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Student loan

My complaint is with XXXX XXXX now known as Navien. From XX/XX/XXXX to XX/XX/XXXX, I tried to get my monthly payments lowered through Navient. This was due to the fact my mother is a single parent, my father does n't help, and I was still looking for a full time job out of school. I tried for almost a year to get my payments adjusted due to my income and my mother 's ( she was the cosigner ). My payments were over XXXX dollars and neither her nor I could live a normal life with these payments. They wanted us to live like Hermats under a rock. I kept getting told that my income was enough to cover. I was making XXXX a year at this time. My mom XXXX. At the end of our expense calculations, both of us were close to coming even for the month after paying this rediculous loan.. Nowhere near the income for an over {$500.00} a month payment. They were close to {$700.00}. But nope, Navient still states that we had to pay because technically, we could cover if. Am I not supposed to live my life? My mother was told maybe she should " cut back on strenuous and extravagant spending. '' My mom is a XXXX and does not spend where she does n't need to. We were appalled. I wanted to make payments, I wanted to repay Navient. I just could n't do close to {$700.00} a month. They would not work with me. I have records to back these statements up and the countless times my mother and I were pleading with " customer representatives '' to help me get my payments lowered. I have a federal loan and a loan from my college as well as this. They did n't care. After almost A YEAR of trying, we finally got them lowered, but still at {$300.00} a month. That to me is still outrageous. This new plan is called " rate reduction plan. '' It ends next month and I am so scared what is going to happen next. It makes me not sleep at night. I have no clue if I will be able to keep these payments. These people do not care about their customers, all they care about is getting their money at any cost. Like I stated above, I told each representative many times that I do want to pay you back. Just please work with me on a payment plan. And each time I was told " you signed an agreement, sorry. '' Unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made arrangements through XXXX XXXX XXXX attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a zero balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from XXXX XXXX XXXX attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
Product: Credit card or prepaid card

**Capital One shopping** app/ XXXX  extension Ive got a couple emails from capital One since I have a couple of their credit cards telling me to download their new service capital One shopping no credit card needed just a free service that provides savings and rewards on online purchases. So I went ahead and created the account looked at deals and they were offering 35 % cashback/rewards on XXXX purchases. Purchase was made on XX/XX/XXXX So I followed the instructions purchase was made of {$140.00} with the reward of 35 % back. After a couple weeks I noticed my rewards were still showing pending and I reached out ( XX/XX/XXXX ) to customer service to let them know this is my first time using the service how long does usually take and what are the proper steps and I made sure I clicked activate as shown in the pictures below so I can get my reward both times reps have told me you have to wait to 30 days and contact us again if it doesnt show after 30 days. After reaching out three more times with no replies even replied back to the lady asking whats going on I got an auto response in case was closed. Capital one claims in their email that they do not pay the reward the merchandise so essentially its a scam and capital one reeks the benefits of affiliate links getting you to click on the link purchase through their link and they get a percentage while the consumer gets absolutely nothing. I only made this purchase through them because of the cashback/rewards you can even see the false advertisement today as I went to their app and it shows 95 % cashback/rewards on the purchase so essentially youre paying 5 % of a total price no business is going to offer that if they want to be around total scam something needs to be done and you can never get a hold of anyone on a phone number its all done by email which is totally frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$13000.00}, XXXXXXXX XXXX XXXXBalance : {$0.00}, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired onXXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquiredon XX/XX/XXXXXXXX XXXX
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 inquiries 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 inquiries 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 inquiries that do not belong to me as they are fraudulent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I PULLED MY XXXX CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME.
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to this lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.
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 : XXXX 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 XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; ONEMAIN XXXX Balance Owed : {$9900.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I never opened these fraudulent accounts or even heard of most of them. They keep being reported as accurate when they so are not.
Product: Debt collection

IC Systems is reporting 4 collections on my credit and they will not tell me what they are for. All my collection are paid or taken care of through the hospital/insurance. I do not know what the debts they are reporting are for and when I call them they tell me to call XXXX. When I call XXXX they tell me they have no debts matching those amounts and they are unaware of them. 
I do n't think it is fair that they can report whatever they want and not prove that the debt is valid. I am contacting my attorney and I am also filing complaints against them with the attorney general.
Product: Debt collection

This company refuses to send me debt validation letter. They have straight up lied about mailing me the debt validation letter. I have asked them stop calling me and they have not. This company can not prove this debit belongs to me. They have blatantly broken the law.

From their response to CFPB ( XX/XX/ Mailed validation of this account to consumer with breakdown of charges and payments, electronically signed financial arrangement agreeing to collection fees, and a copy of the drivers license used at the time of service. Second CFPB complaint XXXX  )
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need help about this issue I am having regarding my credit report, I need these errors in my credit report to be investigated as its affecting my ability to obtain credit. For now, please remove these information as I was informed by a law expert that these information can be blocked.
Product: Mortgage

I will reference your Administrative Proceeding File No. XXXX In The Matter Of : Fay Servicing , LLC. 

-ILLEGAL PRACTICES AND NON-COMPLIANCE WITH MORTGAGE SERVICING RULES. 


Fay Servicing LLC is who this mortgage got sold to by XXXX XXXX and they are pulling the same XXXX again that they were prosecuted on in the above referenced Proceeding. 

-Procrastination -Claiming they don't have paperwork that they earlier said they had -Avoidance -Constant change of account reps who in turn claim they have no previous knowledge or notes on sale. 
This matter happens to include HUD which creates the additional need for timeliness. 
One buyer already backed out due to Fay Servicing LLC negligence and now over a full year later there is a second buyer in limbo with the same scenario playing out.
Product: Credit card or prepaid card

I had the Bank of American XXXX XXXX XXXX  MasterCard in XX/XX/2018, and cancelled it the same year to avoid the {$59.00} annual fee. 
On XXXX, I applied for the card again and was denied, even though I have an excellent credit score. 
On XXXX, I applied again for the card and was denied a second time due to multiple applications. 
On XXXX, I applied again and was denied for a third time due to too many recently opened accounts ( which is not true, i only have one credit card ) and limited deposit/investments with Bank of America. 
I went into the bank branch near me and complained to XXXX XXXX, the vice president/financial center manager ( XXXX ). 
I feel that they will NOT give me the card ONLY because I had it before and do not want me to earn the bonus XXXX XXXX bonus points i would earn with the new card, nor more importantly effectively use my existing 60,000  + XXXX XXXX points, as one needs an active open BOA XXXX credit card account to be able to get the full value from ones XXXX XXXX Account points. Without the card the XXXX XXXX   points, are only worth 25 % of their full value. I believe that they have violated my rights under the Frderal Equal Credit Opportunity Act.
Product: Debt collection

This is a result of XXXX XXXX opening up several fraudulent utility accounts under my name and attempting to collect the owed amounts via various collection agencies. 

XXXX XXXX was already notified, along with the previous debt collection agency that this was fraud. Furthermore, all 3 credit bureaus were notified and I filed various identify theft reports. 

However, XXXX XXXX continues to harass me and trying to collect money on accounts I never opened. In addition, as previously reported, they failed to go through a proper identity verification process for the accounts they opened and clearly have horrific business practices. 

This company should be throughly investigated and if they continue to harass me through collection agencies, I may be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX I sent Experian a letter to remove inaccurate personal information from my credit report that they are reporting. I sent my drivers license and a copy of a utility bill to support my claims of inaccurate info. It is now XXXX and they still are reporting this information. This is very harmful to my credit, as there are names that aren't even the same last name as me, and addresses Ive never lived at. This needs to be removed immediately. 

Ive enclosed the original letter as well as a copy of my credit report for reference.Ive also enclosed my drivers license and a utility bill again.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the XXXX XXXX and violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. This is a violation of XXXX XXXX XXXX for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

The company ALDOUS AND ASSOCIATES I had a payment debt with them that I paid on XX/XX/year>. I have my payment receipts of XXXX dollars and XXXX dollars. It turns out that they have just put that same debt in the collection again where I no longer I have a debt with them, even when I call they tell me that I have no debt and when I request they talk to a supervisor they speak badly to me and they close the phone I need to solve this as quickly as possible please
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.
Product: Credit reporting or other personal consumer reports

Under XXXX5 USC 1681, 15 USC 6801, and 15 USC 6802, XXXX loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Product: Credit reporting or other personal consumer reports

I am activating my right to privacy this collection was sold and my information was shared without my permission Iam also activating my right to recession when social security number was used so I can rescend transactions. Please delete I attached pictures of all accounts to be deleted and evidence of the consumer law lists