23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the last few years, especially since Navient took over, I have had repeated issues with my private, and recently federal, loans from XXXX  school ( XXXX ). My private loans have been in repayment for years, and at least once a year, Navient redirects the funds to other loans. Even when my federal loan was in economic hardship forbearance ( meaning not in repayment ), they directed private loan monies to the federal loan. Then they harassingly call me ( and my elderly father as co-signer ) to say I'm delinquent when it is their mistake is misappropriating my payment. It is SO FRUSTRATING!! It just happened again. Now that my federal loan is in repayment they misappropriated those monies as well. I am never told the same thing twice by any representatives. I brought my federal loan current in XX/XX/XXXX and then started its repayment, only to be told yesterday ( XX/XX/XXXX ) that the representative gave my the wrong amount to bring it current and that I have been charged late fees since XX/XX/XXXX on an amount I never knew was outstanding. It just can't be right. The private and federal departments are separate and seem unable to speak to one another when these issues arise making it almost impossible to resolve these errors. I was on the phone yesterday for 2 hours and 11 minutes - only to learn that, again, they had moved the money to the wrong account. I can not help but wonder if there is something illegal going on ...? They also keep suggesting that I directly deposit to them to make things easier ; or make my payments through their website. Like I would ever let them be in charge of my money. They do not know what they are doing. It really is criminal. In fact, yesterday, when I forced them to go over the details of my accounts and payment history, they informed me that one on my private loans was paid. They never let me know and payments kept electronically going to that account. They said they were just applying them to another loan group. How is this possible?? I keep threatening to get a lawyer every time I speak to them. It really is unconscionable the way they handle this business. I was also told yesterday ( XX/XX/XXXX) that when I over pay my loan amounts it makes it " harder for them to know where the money should go ''. Seriously? Isn't that what account numbers are for? Everyone knows that one of the first things you do as a student borrower is to over pay as able to decrease the amount of time you are in repayment. To me, it seems that Navient 's representatives are suggesting that I keep my payments lower to increase the amount of interest I accrue and therefore have to pay them. Bad advice - and maybe illegal to suggest ...? I am a medical professional and have run a successful practice for the last ten years. I can not believe how demeaning it is to deal with Navient. It just has to stop. For me, yesterday was the last straw. I have these loans because I have a profession that I love and spend my life helping others. I can not believe that I am forced to constantly deal with this mistreatment and mishandling of my money. If there is any way someone can assist me, I would be very grateful.
Product: Money transfer, virtual currency, or money service

I have made a transfer on XXXX through Moneygram and as usual, they say it will take 3-4 business days to complete. However, as of today XXXX the money has not been delivered to the recipient yet. I kept calling them and they say the money has been delivered to their local bank but they have never got feedback about if they transferred the amount to the recipient 's bank. Within this time I have made transfers through XXXX and XXXX smoothly. It's my first and last time to use Moneygram 's service and I hope I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, Account name : XXXX XXXX  XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXXXXXX XXXX  XXXX, has violated my rights, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights, Account name : XXXX XXXX XXXX  XXXX, has violated my rights, Account name : XXXX XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX in XX/XX/year> stating a credit card that i had had for years was being cancelled due to low credit score. After checking with Experian, XXXX, and XXXX I realized there was a fraudulent credit card issued by XXXX to someone named XXXX. This was a case of identity theft. After contacting XXXX I received their Identity Theft Affidavit. I returned it with all the requested information including a XXXX XXXX Police Report, dated XX/XX/year>, CR # XXXX. 
I received a letter from XXXX, XX/XX/year> stating that the account had been closed as a fraudulent application account. They stated that XXXX submitted a request to Experian, XXXX, and XXXX to have the account deleted from my credit file. 
XXXX and XXXX complied and my credit report filed has returned to normal. 
However, despite all attempts to correct the fraudulent credit card on my Experian report, they claim in an email received today, XX/XX/year> that the XXXX original fraulent claim is correct. I have sent multiple letters to Experian including the following : copy of the fraud packet requested by XXXX, copy of XXXX Police report, utility bill stating our Wyoming home address at the time the fraudulent card was opened in Arizona, copy of drivers license, Social Security number and copy of military ID. The dates of the letters sent are XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I would like your assistance to resolve this issue.
Product: Debt collection

My Name is XXXX XXXX and I am a victim on Identity Fraud. On XX/XX/XXXX, I received an alert on my credit monitoring system about a new collection account. The collection company name is Genesis Credit Management, The original creditor name is XXXX XXXX XXXX and the open balance amount is {$320.00} XXXX XXXX  seems to be an apartment complex in XXXX XXXX Texas. This is the XXXX time in XXXX  months that collection agencies hit my credit with collections of fraudulent origin. Disputing these have become a frequent part of my life. I dont live in XXXX XXXX and never have lived there. I have credit alerts and a frozen credit status on all XXXX bureaus since XX/XX/XXXX, and yet, these apartment complexes dont seem have an effective credit verification standard in place. 

I have spent hours going to the police department to file a police report the first time this situation happened. I am attaching that police report from XXXX and for this case, I am attaching the official complaint filed with the FTC website : identitytheft.gov It is unfortunate that anyone can place a collection on a credit report without proper verification, leaving the identity fraud victim on the verge of a recovery system that takes weeks, sometimes months to be resolved, while the credit remains XXXX points lower and therefore compromised during the process. 

There should be an effective proactive measure to avoid these things from happening, but apparently, only a new Social Security number can solve this problem. But that requires a court order from a judge.
Product: Debt collection

I would like to file a formal complaint against LVNV FUNDING LLC for failing to provide accurate legal debt validation within the allowed 30 day time frame under FCRA. In XX/XX/2021, I sent a debt validation letter via certified mail which was signed for by XXXX XXXX to LVNV FUNDING LLC. LVNV funding LLC sent back a nearly blank letter from a totally different company by the name of Resurgent Capital Services. On the front page of the letter, there was one address and on the second page of the letter there was another address the letter stated was mines. There was no break down off fees like requested, no signed documentation. LVNV did not provide any documents to prove I owe this debt or provide legal debt validation under FCRA rules and regulations however they continue to report this account.
Product: Credit card

Us Bank closed my credit card in retaliaition for reporting them to your agency. They have also denied my request for past statements, lied about the true balanced owed, lied about payments received, and lied about not receiiving documentation related to several disputes. 
I want the following charges outlined in the attachment removed from my account. I am also notifying XXXX of the retaliatory actions taken against me and a long trail of false statements provided to me by us bank as related to payments received, documents, and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Hard inquiries that need to be removed, with dates. All from TransUnion credit report ) TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase bank refuses to reimburse me for a fraudulent charge from " XXXX XXXX XXXX XXXX' on XX/XX/2023 Totaling {$2900.00}. This charge was fraudulent not made or authorized by me. I reported this the morning after the transaction showed up on my account, well within 24 hours and Chase Bank is claiming I am responsible for this charge with no details whatsoever and are disagreeing to help me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

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

XXXX XXXX failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.
Product: Debt collection

XXXX has XXXX accounts in my name that were fraudulently created. I was working with their fraud department when they sent it to Convergent Outsourcing and refused to continue to work with me. The XXXX account number is XXXX for {$1200.00}. My id was stolen around the time this account was opened. Convergent says they will not even start a fraud investigation without a police report. But the Fair Credit Reporting Act does not require that I file a police report to report Fraud. They are in violation of federal law. 
The smaller XXXX account is XXXX for {$360.00} dollars Your complaint number is : # XXXX
Product: Credit card

As of XXXX, I requested to close my cc due to fraudulent activities. I received a case # for both XXXX XXXX  and was told if I wanted to receive another I would have to mail or fax my DL for ID verification. Understood but since my emails were hacked as well, can they mail out 13 months of printed statements. I already had XXXX dispute on my XXXX XXXX I asked what the last transaction was. 
It has been 4 months, and I don't know why they won't send it to me. I've been verified in the branch and on their phone. 
However, in the midst of calling once again for my statements, I find out that a cc was requested on XXXX  using only the mobile app and sent out on an already fraudulent account. My credit cards should never be sent on a fraudulent acct. I had it closed on XX/XX/ when I found out about it. 
To file a police report, they wanted the full XXXX XXXX that I just closed. XXXX XXXX ( supervisor ) they can not provide me the full XXXX digits of the card for security reasons. A card I never had in my possession, a card that should not have been generated b/c both my checking and XXXX are fraudulent, but I am still waiting on my statements. For whatever reason the branch won't print them. I refuse to pay for anything on my XXXX without seeing my statements. After 18 years, I am done. I pulled my savings and waiting to close my checking once everything has been disputed.
Product: Debt collection

They say I never return equipment started harassing me and I told them not to contact me again
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not conducting investigations of any sort. In a previous complaint, I submitted documents from their known vendors such as XXXX and XXXX that no public record was reported to the organization. I also supplied a court letter that was most recently sent to me. After seeing Transunion state that the public record was verified by the courts, allow me to resend a court letter that was sent in previously to Transunion directly in which they state my claim was frivolous. 

Transunion appears to be willing to intentionally keep consumer credit reports low by maintaining unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Debt collection

I dont know if Im clicking the right information. However on XX/XX/XXXX. I had called XXXX federal to get an early release of my deposit. I was told I cant get an early release due to XXXX old account I owed that was closed since XXXX. They ask if I would like to start making payments and I declined since the account was more than XXXX XXXX XXXX. The response from the people if I dont start making payments, they will take all my funds and I cant dispute it whether I disagree to pay off the account. The XXXX old accounts fell off my credit report and every time I call I got ta pay something out of check in order to retrieve my funds
Product: Debt collection

XXXX XXXX XXXX Deleted Accounts due to lack of account verification
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account XXXX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # XXXX. However, they stated everything was complete and acc

urate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 the report by more than seven years. 15 U.S.C. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late 120 days closed XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$17000.00} -late/Open
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my report.
Product: Credit reporting

I wrote a letter to trans union asking them to remove my Bankruptcy from there file. I did this back on XXXX/XXXX/XXXX. I got a letter from them dated XXXX/XXXX/XXXX telling me that it has been verified. Keep in mind the Texas Federal Courts DO NOT report anything to the various credit bureaus, nor do they verify the information reported is accurate.
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to reach out to Transunion to have my Credit Report Updated. There are ( 2 ) collection on my report from XXXX XXXX that are not mine. They were once removed from my report, but appeared back on my report this year. This do not belong to me and are possibly a result of Indentity Theft when my Identity was stolen. I have asked several tomes for the social security card, Id, and signed copies to ensure that it was me and nothing. Please remkve these items as they are making a substantial impact on my credit.