23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Attached below is my FTC report on Fed Loan Servicing. I entered a consumer credit transaction with them and Fed Loan Servicing acquired my negotiable instrument attached down below which is payment according to Federal Law. Fed Loan Servicing is now stating that I owe them money, how is this possible when my promissory note was taken during the consumer credit transaction as payment along with my social security number and signature.

Also the original promissory note failed to disclose my rights as the debtor pursuant to 16 CFR 433.2 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Can Fed Loan Servicing please provide the original agreement and bank keeping entries ( GAAP ) for the record to show that I owe such alleged debt. I have the right to request such documents due to the Freedom of Information Act. Should the one who funded the loan be repaid the money?

It will be considered fraudulent concealment and deceptive from of fraud if Fed Loan Servicing can not provide : The original party who funded the loan Book keeping entries Full material disclosure pursuant to 15 USC 1602
Product: Student loan

I have a Navient Signature Student loan. I am in repayment now. I have been told that I have lost the Loan/Borrower Benefit of Signature Rewards - 0.5 % Aft 48M of on-time payments. I am 2 years into repayment. I have made all payments on-time. I have been told that I have lost this benefit because I didn't make the payments after graduating from XXXX XXXX. I was in deferment and forbearance during XXXX and XXXX and was never in repayment until I finished training. This is a substantial amount of savings that I am loosing. I have repeated asked for the promissory notes to be sent to me so I can check the terms. Repeatedly they have said that they will send them to me and haven't. Other loans I have with Navient, both federal and private, have not lost this benefit and therefore I believe this to prove an accounting error that I have no power to correct. There is no way for me to see the accounting record since Navient persuades one to use paperless billing and use their website which does not show an accurate full and up to date record of account history. The representatives on the phone are unclear on the benefit rights and do not have access to the promissory notes to read this to me. Also, I am not clear as to why multiple loans I hold with Navient have had interest capitalize 3 times while I was in XXXX and XXXX during uninterrupted deferment and forbearance. Please help!
Product: Debt collection

In 2020 I got a phone bill from XXXX for XXXX dollars even though I never had XXXX  I've had XXXX My whole life I've disputed it multiple times with creditors and told them my identity was stolen you can look at my credit history everything else I pay is up to date.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i requested that the company equifax send me the documents they stated on my consumer loan attached to debts they say i owe. I have no knowledge and asked for them to verify and i have yet tor receive any information
Product: Debt collection

I received a collection notice for an XXXX practice. It was not owed. No one at the practice could help me. No one could help me at Remex ( the collection agency ). 
I believe this is fraudulent billing. It is a small amount so many people probably just pay it. I think its systematic and wrong.
Product: Mortgage

Forced place insurance- when we proved 5 months prior to billing us that we had insurance
Product: Credit card or prepaid card

XXXX on XX/XX/2022 was charged {$86.00} for an item that was {$45.00} on shelf tag I told her never mind and she was supposed to void the item. I never got it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX  i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist 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 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no acknowledgement about all these inquiries except for my XXXX I just purchased in XXXX, also the six credit cards I have in my possession. I have a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXXXXXX XXXX XXXX Card XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXX I have to many inquiries on my credit. Can I please get some type of assistance? This is with all three-credit bureaus Equifax, XXXX, and XXXX. I am trying to correct this issue.
Product: Credit card or prepaid card

Several Payment fraud transactions by a cybercriminal on my google accounts : First Payment fraud transaction : only one XXXX Purchase XXXX XXXX XXXX XXXXXXXX ( Unlocked ), Expedited {$660.00}. 
XXXX The unknown cybercriminal address and name the fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States XXXX this purchases made using my google account stored credit cards info ; and Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. ) google suppose to protect my payment and notify me if any suspicious activity going on on my account. I canceled the card I don't have the card number but I can provide you the last four number of the card : XXXX Second Payment fraud transactions : three transactions : XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$660.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$990.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Expedited {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX These purchases made using my google account not stored or added debit card info ; and again Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. or send me an email so I can stop the illegal transactions ) The Google wont help me or refund me. or talk to me : Google respond : " so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' Google support are joke no contact no phone number no support ( google avoiding any phone person support claiming short staff Covid 19 to avoid any responsibility ), no person to talk to. I started after two days when I noticed the Payment fraud.

Please we need help against this giant company that do not protect or support its customers, we can not stand against a giant company like google. smart company like google the least the can do when they see purchases going to different address is to send notification or when a payment added to my google payment method to notify me, google did notify every month about my XXXX dollar subscription, but not a single notification for such purchases please you can check my all emails not a single notification Please if you need any information let me know and I will provide them.
Product: Debt collection

Company Apex Asset Management continuously sends mail to my address stating that I went to the hospital on XX/XX/20. I did not go to the hospital on that day. I did not receive anything from a hospital or place stating I went there. It must be identity theft and fraudulent activity against my name. I have health insurance and I would have used my insurance if I was there on that day. This information was sold to this debt collection agency in hopes I pay them for something that is not mine. I tried speaking to representatives but they keep telling me its my account and States that it was me who was there. I was not there on that day. I would like them to stop harassing me through mail, and not proceed any further without valid information. The hospital sold them my personal information and account which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain to Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account number XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX .States I have the right to privacy XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX, Inaccurate Account name XXXX, account number XXXX, Inaccurate Delete these accounts ASAP Thank you XXXX XXXX
Product: Student loan

As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Under FCRA and XXXX Dear XXXX, I am writing in reference to the recent response I received regarding my dispute concerning inaccurate information on my credit report. Your response indicated that the information has been verified, yet no supporting documentation or proof of verification was provided. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ) ( XXXX ), I am entitled to receive a detailed description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher of information who was contacted during the verification process. Furthermore, the Truth in Lending Act ( XXXX ) mandates that accurate and transparent information is provided to consumers, particularly when it concerns financial transactions or obligations. 
To comply with both the FCRA and TILA, I respectfully request the following : XXXX. A full description of the procedures used to verify the information in question. 
XXXX. The name, address, and telephone number of the entity or creditor who furnished the disputed information. 
XXXX. Copies of any documents, records, or contracts you relied upon in making your determination. 
If you are unable to provide this documentation and the required method of verification, I request that the disputed item be removed inmediately from my credit report in accordance with the provisions set forth by the FCRA and XXXX. 
Failure to comply with these regulations will leave me no choice Finding a lawyer and starting the lawsuit process I look forward to your prompt response within the XXXX time frame required. Thank you for your attention to this matter. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Experian, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX Credit Bureau because I had problem with their dispute online site. They told me they had corrected the area several weeks ago. 
I tried again today and it was n't fixed. I could not use the online site. I called customer relations. They transferred me to specialied consumer service offline. They transferred me to online customer service. 
They gave me an error code # XXXX and transferred me back to the offline customer service to do identity verification and merge my accounts because O was told I had multiple accounts. 
I asked how could I have multiples they could not answer that. 
They suggest I dispute live on the telephone and I got disconnected or maybe the rep. hungup the telephone I do n't know. 
I have duplicate accounts reporting information that 's not correct. 
I have accounts 7 years old that they wo n't remove, saying they are n't negative. I said the law say have removed. 
The issues is with Equifax and XXXX Credit Bureaus. All three reporting account information of same account in multiples. They are reporting incorrect balances. Reporting over the time for reporting.
Product: Debt collection

Convergent is reporting a debt owed on my credit report that I have repeatedly informed convergent and the credit bureaus that the debt is not mines. I have submitted disputes to the credit bureaus asking them to validate the debt. The 1st initial dispute they responded back that the debt had been validated and put comments on my credit report debt validated/consumer still disagrees. I contacted them and asked in what way did they validate debt, who did they validate with and could they send me copies of all documents which made them come to this decision. They never did. I later receive mail.from convergent the debt collection agency with 1 page of a phone bill from XXXX with my name on it and four phone numbers that I have never seen in my life and they have a box checked off stating the debt IS valid. I called convergent and spoke to a rep. The rep.stated she could NOT find an account with the account # I gave her. I called XXXX they said once again it was validated .... I called convergent and spoke with a young lady who asked for my ID # and ssn. And birthdate. I believe I gave her my birthdate but none of the other information she requested because she stated she would not be sending me any of the documents or information I requested.I have disputed this item numerous times month after month and they keep saying its validated without showing or providing me any proper proof. I believe my rights have been and are being violated. Every time I dispute it seems they change the original reporting date
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 items : 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
Product: Checking or savings account

My phone was stolen XX/XX/XXXX and through XXXX & XXXX my account was drained - about {$1300.00} in fraudulent charges. 

On Monday XX/XX/XXXX I purchased a new phone and contacted Chase to dispute the transactions, and today XX/XX/XXXX I called them as Id not received any phone calls or emails regarding the situation. 

They returned my XXXX transactions and then told me the XXXX transactions were not recoverable, then told me that facial recognition was used to send the funds. 

There were zero flags during this process, about a 2 hour time frame in which my checking account was emptied in a city that I had never visited before ( XXXX XXXX ) and theyre unable to tell me how facial recognition was used without me being present. 

There should be more safeguards in place in the digital world we live in ; banks are horrible at managing consumer data and face zero accountability by putting handcuffed customer service reps on the front lines who have essentially no authority to escalate issues like these appropriately, I.e., there may be a massive flaw in the facial recognition being used on Chases mobile app.
Product: Credit reporting or other personal consumer reports

I applied for credit for financing and was denied ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter.
Product: Credit reporting or other personal consumer reports

Experian is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. 

Experian has 15 days to provide me with the name of the person spoken to, documentations used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed. Experian and its Trustee are liable under the SEC to follow specific rules. Experian commission file number XXXX. Trustee is XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are all liable. 

Furnishing student loans on consumer reports is a violation of privacy act 1974 and Family Educational Rights and Privacy Act 1974 I have not consent to the publishing of this private information. I am requesting that Experian provide documents that they received from the furnisher in the past 30 days with my approval to publish this information.

I will be filing IRS form 211 ( XXXX XXXX XXXX ) to audit the consumer 's account. Experian is securitizing consumers data yet refusing to provide consumers a copy of their consumer file not consumer report. 

FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Experian is furnishing information on my consumer file without appropriate notification and approval as required by law. 

IRS Form 3949-A for the IRS to audit Experian with respect the my principal account and income Experian is making from the sales of the principal account consumer file. 

Remove all inquiries Remove all student loan file Remove utilization I want compensation as provided in law for every violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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