23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the  actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. 
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed  agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
XXXX XXXX please provide your title with the company XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 NA # XXXX ; XXXX  XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX/XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Product: Debt collection

I recently pulled my own credit report and observed a discrepancy. I noticed a company ( XXXX ) is stating that I owe them {$89.00}. I attempted to contact the company but was unable to speak to a representative. I have do n't know how this company received my information or why they are claiming I owe them money.
Product: Student loan

I went to XXXX XXXX and told them that I only wanted federal loans. XXXX XXXX acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until XXXX XXXX/Naivent began to collect. 

I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. 
Even when meeting my minimum payments it was all going towards interest. When I originally question this I was told that I have to pay the interest for the life of the loan before principal. Navient calls my phone 4-6 times a day every day. 

When I tell them that I can not afford the cost they tell me that I need to seek money from friends and family to pay them. 

Harassment and lots of threats with no assistance.
Product: Credit card or prepaid card

Yes, include name, old address, XXXX account I never applied for also XXXX  XXXX credit card. All from the same lender Midland credit management one for XXXX $ another for XXXX $ at the time the card was applied for I wasn't leaving at that residences anymore. I had moved otut in XX/XX/XXXX I believe the account where made in XXXX or XXXX of XXXX. I just received a letter this year. I began to fix my credit score and account in my name that I had no clue what so ever where and when cause I didn't creat those two.
Product: Credit card or prepaid card

A dispute was filed regarding a recurring subscription for the next year that I no longer want. An attempt to cancel the transaction was made with the merchant which was unsuccessful and then through the credit card company. A request for more information on XX/XX/XXXX was presented which was provided. However, a letter on the same date was issued denying information was provided and that the credit would be reversed.
Product: Credit reporting or other personal consumer reports

This morning, I discovered some incorrect accounts appearing on my credit report, and I'm unsure of the reason. I reviewed my credit report as usual, but this time, unexpected discrepancies were present. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Therefore, I request a thorough review of the documents I've submitted to resolve this issue and prevent future concerns.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Urgent Request for Rectification of Unauthorized Hard Inquiries Dear Equifax Team, I am compelled to bring to your immediate attention a series of unauthorized hard inquiries that have inexplicably appeared on my credit report. These inquiries have cast an unwarranted shadow on my otherwise meticulously maintained credit profile. I am confident that these entries are the result of a grievous error, if not outright fraud, and I am requesting their swift removal.The inquiries in question are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Nature of Dispute : Unauthorized Inquiry Explanation : I have never initiated or consented to any credit inquiry with XXXXXXXX XXXX or any affiliated entity on the specified date. This inquiry appears to be an erroneous or fraudulent entry that I insist be expunged from my record immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Number : Nature of Dispute : Unauthorized Inquiry Explanation : I have no affiliation with XXXX XXXX XXXX nor have I sought any credit or financial services from them. This unauthorized inquiry is both perplexing and unwarranted. 

XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Dispute : Unauthorized Inquiries Explanation : I am disputing these inquiries as I did not authorize any credit applications with XXXX  XXXX on these dates. These entries are entirely spurious and must be corrected without delay. 

XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Nature of Dispute : Unauthorized Inquiries Explanation : These inquiries by XXXX were not sanctioned by me, and their presence on my credit report is both erroneous and injurious. I request their immediate removal. 

Enclosed with this letter, you will find a copy of my identification along with documentation highlighting the unauthorized inquiries. Moreover, I have included a copy of the FTC Identity Theft Report ( No. XXXX ) and the associated police report ( No. XXXX ) to substantiate my claim that these inquiries are the result of identity theft.I trust that your esteemed team will handle this matter with the urgency and diligence it warrants. 

The expeditious removal of these inquiries is not only a matter of accuracy but also a critical step in restoring the integrity of my credit standing.Thank you for your prompt attention to this pressing issue.Yours sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across this the CFPB XXXX lawsuit. 

I feel that I was negatively impacted by TRANSUNION and XXXX, hurting my chances of receiving housing and credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I do not see any details about you investigation. 

Complaint Number : XXXX, XXXX Complaint Date : XX/XX/year>, XX/XX/year> It is the law that the items that they are reporting are 100 % accurate and they have failed to provide me with the proof and this has landed my family and I into homelessness and is causing me a lot of stress! 

And now I can not access my Transunion report now!
Product: Checking or savings account

Made a deposit in an ATM on XX/XX/XXXX and saw the incorrect amount show up in my account called to see how best to rectify was told I had to file a claim. Received a letter on XX/XX/XXXX stating that No deposit was made. 

Called the company as the incorrect deposit amount clearly showed on the account and was transferred to a supervisor who was very combative and advised that I should have sent in the receipt, I advised her that I wasnt told to do so and she became consistently louder and continued to cut me if when explaining she even advised that I am the one who needs her help. 

Please pull this call as I like chase bank and customers should not be treated this way. Would also like a solution for my deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute this account XXXX XXXXXXXX XXXX XXXXXXXX XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

this debt is still showing on my credit reports as I have already disputed these with the agencies and creditors. This is a result of identity theft/ fraud and have requested that all docs be removed immediately.
Product: Student loan

I have requested the company examine the Public Service Loan Forgiveness documents I submitted on XX/XX/XXXX in order to discharge my loans, as I have made the required XXXX payments and have served with the U.S. FDA since XX/XX/XXXX I have yet to hear from them on the matter. I have attempted to talk to a live person by both chat and phone, to no avail. Additionally, I have been required to make payments during this timeframe $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Product: Student loan

I too have been experiencing issues with Navient. They have not listened to me regarding telling them what I am able to afford, instead they insist on deferring my loan causing me to go deeper into debt with my loan. I have told them numerous times about my divorce and my household income being cut and they refuse to send information I 've requested to my house. I do n't have the ability to refinance and get the loans to a creditor based in the United States to speak with someone without a language barrier so I am stuck. The loan I am paying towards is a program that has not existed at the school I graduated from for at least 3 years. It was taught out. They stopped enrolling in XX/XX/2013. With my financial situation I 'm trying to do the best I can but have recently considered bankruptcy because I do n't know any other way, this company simply will not listen to me when I tell them I can only pay a restricted amount until my credit debt is cleared, and when my divorce is final and I 'm not paying attorney fees. If there is something you can do to help the consumers please do. I 'm sure there are other people like me who want to pay, but the company simply will not listen to our needs.
Product: Mortgage

Mortgage account number XXXX I have contacted Citimortgage by phone, email, and by chat. The loan was paid in full and XXXX XXXX sent an automated payment afterwards. Citimortgage is stating that it was not received and XXXX XXXX is stating you received it. I am elderly ( XXXX ) and on a fixed income and. Payment was made on XXXX/XXXX/2016 and would like these funds immediately. Enclosed is a copy of the XXXX XXXX XXXX. 

XXXX/XXXX/16 Collapse Transaction XXXX with description : BILL PAY CITIMORTGAGE XXXX ON XXXX BILL PAY CITIMORTGAGE RECURRINGXXXX ON XXXX {$540.00} Sincerely yours, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX, EXPERIAN XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, EXPERIAN XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a ProfessionaXXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I download an app called XXXX XXXX. through my XXXX. I was searching for a XXXX XXXX back pack. I message this seller. Through offer up. The seller told me to pay him through an app called XXXX. I paid him {$320.00} from my chase bank. I never receive the item nor TRACKING NUMBER. 



P.S I ask the seller why are you selling you XXXX XXXX backpack so low of a price. The seller told me due to corona virus he wanted to make a couple of bucks. Once I paid him through my bank. He turn off his communication and his location., there fore I never receive the backpack or tracking or label number. That is when I knew it was a scam My bank didn't do anything to help me protect me from this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm involved in the XXXX security breach. I'm trying to put a lock on my account with all 3 credit reporting agencies but Experian is the only one that won't let me. Why is this? Why can't I protect myself?
Product: Checking or savings account

XXXX withdrew {$26000.00} from my checking account between XX/XX/2019 and XX/XX/2019 for XXXX cancelled reservations but I only authorized {$19000.00} for withdrawal. After many phone calls with XXXX during the past 30 plus days, and after being transferred several times to their payment processor, XXXX, today, XXXX from XXXX stated that XXXX has no supporting documentation for the {$26000.00} of withdrawals from my checking account. Also, he stated that only XXXX, the payment processor for XXXX, has this documentation but my contract is with XXXX, not XXXX. Then XXXX refused to put his statement to me in writing. Then he hung up, un-announced, from my phone call. A representative from Wells Fargo Banks XXXX department was a participant during this whole phone call today. 
XXXX withdrawals detail for {$26000.00} follows. 
{$6800.00} on XX/XX/2019. 
{$4800.00} on XX/XX/2019. * {$3900.00} on XX/XX/2019. 
{$3100.00} on XX/XX/2019. * {$3400.00} on XX/XX/2019. 
{$2900.00} on XX/XX/2019. 
{$1500.00} on XX/XX/2019. 

*XXXX  refunded these two deposits on XX/XX/2019, apparently to settle an unrelated dispute for overcharging RENT PAYMENT FEES ( description on my bank statement ) as a result of my contracted payment of {$500.00} per year per listing to cover all XXXX rent payment fees. I calculate {$7900.00} of overpaid rent payment fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX open a fraudulent account in my name, i did not open this account, there are using my identity, please remove this account from my reports are it is fraudulent, my information was exposed in a data breach by XXXX, i woild appreciate this account being deleted from my credit reports XXXX XXXX this is a fraudulent account I did not open this was due to identity theft please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXXXX/XX/2023
Product: Student loan

hello my name is XXXX XXXX and I want to file a complaint against Navient/XXXX they called me offering a program to defer my loans and they kept making me pay fees to get into this loan deferment program they were taking money out of my Bank account but never put me into the deferment program I also would like to file a complaint against the school which help me get the loan and it was called XXXX XXXX of design and technology which they are no longer operating anymore thank you
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 items 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 XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.