23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is my second complaint to the CFPB, first complaint case # XXXX, regarding Navient Solutions Group. I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. It is now XXXX/XXXX/XXXX, and I am in complaint again about Navient. This company has reported me again to the credit bureaus, it was reported to XXXX Credit Bureau on the XXXX of XXXX. The information reported in error was that I was 60 days late with payment, which is totally incorrect. I filed a loan forgiveness with the federal student loan to discharge my federal student loans, which was granted more than a year ago. I filed a loan forgiveness with Navient and the request and application went unanswered. till this day I have not received the status of my student loan forgiveness application with Navient. I was told by a representative at Navient to continue to make my regular monthly payments until my application has been decided, so I did. the first I was reported to the credit bureaus it destroyed my credit. I was unable to refinance my home, I was stuck in a rut. The first time I was reported late to the credit bureaus I had made payments on those days. The damage that Navient caused was irreversible. XXXX of the credit bureaus XXXX initially removed the negative information from my credit report but XXXX never did. Since then XXXX is the only company that has kept the negative information off my credit report. Navient is detroying my credit report and I may never have the opportunity to refinance my home.
Product: Credit reporting or other personal consumer reports

I was going over my consumer report and saw a few hard inquiries that I did not recognize can we please have these removed this is fraud! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/XXXX I got a notification from PayPal via email that over $ XXXX had been transferred from my bank account. I immediately contacted my XXXX XXXX and reported the fraud while also closing that account. My credit union began their own investigation. 

I then contacted PayPal and reported the situation to them. I believed that a hacker or thief had somehow acquired access to an older PayPal account that I no longer had access to. They said that they would look into it. I had also received a bill notice from PayPal working with Synchrony Bank saying that I owed almost $ XXXX. 




On XX/XX/XXXX I received a notification from XXXX that my XXXX XXXX had gone down over XXXX points. I immediately called Synchrony and explained the situation. They opened an official fraud claim and assured me that they would contact the credit bureau and have it removed. I received a claim number from Synchrony. 

I next disputed the credit with XXXX who began an investigation and froze my credit on all XXXX credit bureaus. 

Next I filed a police report with XXXX Police Department. 

In XXXX, I received word from both my credit union and XXXX that they have completed their investigation and found in my favor. My XXXX XXXX sent me my full amount back and XXXX removed the fraudulent credit debt. 

On XX/XX/XXXX, I received an email from Synchrony saying that they are denying my claim due to XXXX or more factors. I was obviously upset but their fraud department is closed during the weekend. The PayPal account in question was mine at one point but I no longer used it or had access. Synchrony also had an incorrect address on file.
Product: Student loan

Navient and XXXX XXXX has ruined my life. I have lost everything due to the way they have ate up my credit report. I was in the Military, and XXXX. I have XXXX accounts on my Credit Report. They are selling my accounts re aging them, and leaving 90-120 day late fees. I have called and told them that I am on public assistance now because I ca n't get hired anywhere in a professional setting. My loans are consolidated, and they are still putting late fees on my credit report. I have went from a XXXX credit score to XXXX!!! All because of Navient. I ca n't find a job in my field because I of all the late fees on my report. I am currently paying XXXX a month just so I can get out of default. I could n't even get my taxes because of they have offset them. I am so depressed because I am trying to make payment on my account. They refuse to take off the late fees and remove the old accounts off my credit report. THE FEES ON MY REPORT ARE GOING TO BE THE CAUSE OF ME LOSING MY HOME. Please help me resolve this matter I need those late fees off my credit report and my account bought current, and please delete the old accounts that were transferred with derogatory information. Or just delete them all. I losing everything. I ca n't work in my career. How can I be able to pay you and I ca n't get a job due to your late fees. Please remove these accounts from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In accordance with the Fair Credit Reporting act XXXX following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX : XXXX - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX  : XXXX XXXX XXXX XXXX : XXXX Inquiries : - XXXX  XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - FXXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX XXXX XXXX  - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two accounts fraudulently reporting on my XXXX experian credit bureaus, these accounts are inaccurate and fraud, but these are reporting under my name, these account were removed from my credit file, but for some reason laced back again, on experian and XXXX. i researched and found out that you are able to help me as a consumer in this matter. 
please have this matter corrected, it is screwing my life and everything that i want to do i just had a baby and with in all these is an issue on top of all the life problems. 
thank you
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my right as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX LITIGATION ( EQUIFAX ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. 
PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE EQUIFAX DATA BREACH SITUATION!. ALSO EQUIFAX DELETED ( XXXX ) POSITIVE INSTALLMENT LOAN TRADELINES FROM XXXX XXXX XXXX XXXX WITHOUT MY KNOWLEDGE OFF MY CREDIT REPORT, AND I CAN'T EVEN LOG INTO MYEQUIFAX.COM. I CAN'T EVEN RETRIEVE MY FICO SCORE OR CREDIT REPORT BECAUSE OF MIXED CREDIT FILE ALL BECAUSE OF EQUIFAX!!. THIS IS OUTRAGEOUS! NOW YOU HAVE XXXX CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. 


EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWS MY SECOND MONTH AS BEING LATE. I can promise be when I made my first trip augment and it was after the XXXX months it took XXXX time send the first bill and the credit card. I called them and they said since it was an online sue of the card and bill being lost they would not report my credit as a late payment. So nce I saw they didnt d the third month I paid off what was left closed the account. They are perpetrating a crime by falsely reporting the date of the last payment that was either their fault or the US MAIL either way my derogatory remark needs to be removed and replaced showing all payments made on time since nce they told me on their records phone call for security and training that they would not show the payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX fico dropped over XXXX points after a new account was said to be opened on XX/XX/XXXX to XX/XX/XXXX from innovate loan service in XXXX. I opened an account with them for a XXXX XXXX in XX/XX/XXXX and paid it off in XX/XX/XXXX. My business with them was over. Now all of a sudden this pops up and when I contact them at their XXXX  offices, they claim they know nothing and I should just dispute it. But this has affected my fico. I want to get a lawyer on this because I am building my credit towards XXXX for business loans purposes and this comes up. I need someone to answer for this immediately.
Product: Credit card or prepaid card

I, the consumer, natural person, and the cardholder of my consumer account ending in # XXXX. NAVY FEDERAL Credit Union has violated 12 CFR 1026.11 by taking away my access to my account. Navy Federal refuses to honor my presentment for offset of this debt. This contract/security falls under 18 USC 8 and is the obligation of the United State Treasury ; Navy Federal refuses to credit my consumer account.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I notified Navy Federal of this violation via certified mail. 

XXXX XXXX is in violation of 12, CFR 1016, 15 USC 1692e, 12 CFR 1026.11, 15 USC 1691, 15 USC 1679g, and 15 USC 1693h.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have requested proof of authorization for the inquiry reporting to my consumer report which I have not received to date. XXXX date XX/XX/2023
Product: Credit reporting or other personal consumer reports

Experian credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my XXXX credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX XXXX XXXX  monthly charges. In XXXX I had a 30 day late reported to my credit from XXXX due to the experian charges that I disputed and was later credited back. I am requesting that XXXX, experian and XXXX  remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by experian.
Product: Debt collection

Key 2 Recovery has blatantly ignored the screenshot previously uploaded so I shall be submitting another complaint for the Federal Pell Grant they are attempting to collect for.
Product: Debt collection

They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. 

When I moved out of state and they began garnishment again in XX/XX/XXXX.
Product: Debt collection

ASSOC CREDIT SERVICES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSOC CREDIT SERVICES XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX  XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/2000 CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, XXXX and Equifax starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and Equifax never responded.
Product: Credit card or prepaid card

1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX  ( attachment 1 ).

2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it.

3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan.

b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement.

c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement.

d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX  with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX   does not speak or write XXXX.

iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX  but for XXXX showing account # **** which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last XXXX SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
XXXX am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I want to make sure that the consumer reporting agency Transunion is in compliance. Credit reporting agencies have a bad habit of parroting dispute information to creditors without actually conducting a reasonable investigation, consider all relevant information regarding the dispute, and ensuring maximum possible accuracy credit reports. Even if it involves removing information based on the creditors inability to provide accurate and complete information ( reliable information ). I do not want my dispute to be half reinvestigated or one-sided. Every account I am disputing is either incomplete or inaccurate. Each account has an existing inaccuracy in the payment history section of the account.
Product: Debt collection

National Credit System is trying to illegally collect a debt from me due to fraud. I have never done business with them, nor do I know who they are. I have tried several times with proof to the credit agencies to prove this is not me and is indeed fraud. They are ruining my good name.