23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

You can not get online with Equifax to dispute its been down for weeks and i sat on hold for 3 hours on the phone with Equifax until i gave up and now that i disputed the same info on XXXX now its telling me it wont let me sign in to XXXX  it says its to protect my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX  XXXX Balance : {$2400.00}, ONEMAIN XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've contacted Experian 5 times to remove an inquiry from XXXX XXXX financial and no one was able to assist. They placed me on hold for 10 mins each time to tell me a supervisor is not available and I should receive a call back in 72hrs. I told Expetian that this unauthorized inquiry is negatively affecting my credit score and financial opportunities. I have recently been denied financing due to this unauthorized inquiry which is a violation of my rights under the FCRA. I cant afford for this issue to be resolved over an extended period of time and would like to request this inquiry be removed immediately. My financial future is at stake due to inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I want you to remove this bankruptcy that do not belong to me from my consumer report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.
Product: Credit reporting or other personal consumer reports

I have negative reporting on my credit report from my mortgage lender. the negative marks are from approximately XXXX  years ago. I paid the mortgage off XXXX years early. I've contacted the mortgage company and they are telling me I am no longer in their system, therefore they are unable to remove anything from my credit report. I looked up and provided my account number, they insist they are unable to locate me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing unsuccessfully with the XXXX major Credit Bureaus ... XXXX * XXXX * TransUnion, Consumer Financial Protection Bureau and XXXX Bank for the past 2 months. I have provided the necessary information to have my accounts correctly updated, which was ONLY a name change. I have provided EVERYONE a copy of my Court Decree Name Change, my Marriage License, my new name change on my Social Security card and my new Driver 's License. I have provided this information XXXX times ... by phone, email, regular mail and Certified mail. ( I even drove XXXX miles round trip to XXXX Bank in XXXX, Alabama to HAND-DELIVER the information to complete my name change. ) The ONLY thing that I haven't done is to input this information CORRECTLY in my file myself... which I would be more than willing to do! ( At least I know that it would be done correctly ; good customer service is a thing of the past... today 's generation have no clue in regards to great work ethics and have become too lazy wanting to work remotely so they can get nothing accomplished but demand more pay for their incompetence. ) XXXX XXXX did not have any problem correctly updating my account ... " XXXX '' XXXX XXXX XXXX XXXX need to give lectures to your competitors on correct banking procedures. 
Unfortunately, I know first hand that it is an impossible task for company employee representatives, in today 's society, to do their job appropriately and timely. I have finally given up trying to communicate to these illiterate, incompetent idiots that have no clue what great customer service is. 
My XXXX XXXX has been between XXXX for the past 3 years ( See attached documents from my Chase Personal Online account provided by XXXX ) XXXX have been desperately trying to get my name change resolved... AGAIN... if you check your records, you will see that ALL these accounts were originally opened under the name of XXXX XXXX XXXX XXXX XXXX then I married an XXXX XXXX XXXX passed away in XXXX ) ... in XXXX I changed my first name to XXXX and XXXX a XXXX. How simple is THAT... I still have the SAME BIRTH DATE and dahhhhh... my SOCIAL SECURITY NUMBER is still the SAME. How difficult is this to change on my credit reports???????????/ Yesterday I received an unexplained Vantage Score of XXXX from TransUnion ( that was posted on my XXXX XXXX website ) stating that my XXXX XXXX had dropped XXXX points with NO EXPLANATION! XXXX!!! 
I have finally decided that I am sick and tired of all XXXX credit bureaus blowing smoke up my a** and not doing their job. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes. My XXXX XXXX has taken a nose dive for no explained or apparent reason other than the credit bureaus incompetency ... and I have had ENOUGH! 
See you in court!!!!!!!
Product: Debt collection

I am writing to file a complaint against Hunter Warfield for improper handling of a debt and repeated inaccurate reporting to my consumer report.

The debt amount originally reported by Hunter Warfield was {$6000.00}, which was subsequently increased to {$12000.00} without any accompanying documentation or a clear explanation for the additional charges. Despite multiple phone conversations where I disputed the charges and requested supporting evidence of their validity, my concerns were disregarded. As a result, I had no choice but to file disputes with all three major credit bureaus. This process caused considerable mental distress and required significant time and effort on my part.

In early 2024, the debt was removed from my credit report ; however, several months later, it was re-reported with a completely different balance. Hunter Warfield , Inc. continues to report this debt to consumer reporting agencies, in direct violation of my rights under 15 U.S.C. 1692c ( c ).

This ongoing issue has resulted in substantial confusion, financial hardship, significant harm to my creditworthiness, and damage to my personal reputation. Additionally, it has hindered my ability to secure fair housing for my family of seven.

Additionally, Hunter Warfield is in violation of multiple consumer protection laws designed to safeguard individuals such as myself against the willful disregard of fundamental consumer rights.

Firstly, under 15 U.S. Code 1681b regarding Permissible Purposes of Consumer Reports, I never provided written consent for the reporting of any information on my consumer reports. This lack of consent, coupled with the imposition of additional fees and charges, constitutes fraud.

Secondly, pursuant to 15 U.S. Code 1692j, which addresses the Furnishing of Deceptive Forms, I am not participating in the collection of the alleged debt. Furthermore, under 15 U.S. Code 1602 ( p ), which pertains to the Unauthorized Use of Personal Information, the actions taken by Hunter Warfield are unlawful.

If this debt is not promptly removed from my consumer report, I will be compelled to file a formal complaint with the Georgia Attorney Generals Office, Consumer Rights Division, as well as an additional complaint with the Consumer Financial Protection Bureau ( CFPB ) seeking monetary damages. Furthermore, I will pursue legal action for false allegations and misrepresentation.

I respectfully request that you investigate this matter promptly and take the necessary actions to remove these discrepancies. Failure to do so will result in the filing of a complaint with the Georgia Attorney General 's Office and a separate filing with the CFPB seeking monetary compensation.
Product: Checking or savings account

I, XXXX XXXX, account holder for XXXXXXXX XXXX  convenient store XXXX, returned XXXX items to XXXX  XXXX  on XXXX. Prior to doing so, I called CHASE Bank to ensure my refund would be process dispute the account being closed. Months pass no refund had been issued so I called, and was told they do not see any refund ever being made to the closed account. At that time advised to file a dispute which resulted in temporary credit that was withdrew and now I owe the balance for ITEMS I DON'T HAVE. Attached is the receipt from XXXX XXXX, which have done everything successful on their behalf. I've attached the receipt from XXXX  showing all there items were refunded to my chase debit card that was closed ending in XXXX im now requesting the negative balance be cleared with interest for XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX - purchased new phone service from XXXX to switch to XXXX. 
Started new service, the cost was much higher than XXXX XXXX XXXX XXXX said it was. XXXX told me I had 14 days to cancel my service, but I'd still owe the activation fee of {$30.00} ( already paid ). 

10 days later, I canceled my XXXX service, within the 14 day trial period. 

XX/XX/XXXX received collection letter from Credence Resource Management. Service had been canceled more than a month ago. Thought that was too soon to receive creditor notice, so I thought notice was illegitimate. Then I looked at my XXXX account online and saw the same amount was still owed, which further made me question the Credence debt. Disputed debt to credence via email. Credence told me they contacted the creditor and that the payment was still due ( without mentioning the name of the creditor ). 

I tried XXXX XXXX XXXX several times, each time the hold to speak to someone or chat with a human was 15 minutes or longer. I tried again, the wait was always too long. 

I understood that the 14 day cancelation period would allow me to not pay for the service since.
Product: Prepaid card

Each month for the past five or six months, I have been unable to withdraw the cash from the same credit union Ive been using for years to be able to acquire a money order and pay my rent. I have called every month about this issue and I have heard a multitude of excuses one thing that I had to drive to the XXXX store, which is XXXX miles away to get cash. Another was that it was a fraudulent area or they affected fragile activity And they thats why they denied. The charge was to protect me. I heard that my carpet service was charging me too much and I should find a cheaper service or by form of payment. I spoke with many representative that ended up hanging up on me. Ive been on hold for hours and hours. Ive spoken with supervisors that have you even hung up on me and I dont know what to do. How can they legally continue to deny me withdrawing my own cash this is from my Social Security XXXX monthly payment as well as did I charges that Im trying to make at stores or for services how is that legal? how can they decide whats fraudulent and whats not and leave me hanging at at a store? Where for groceries?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Unauthorized Credit Inquiry Request for Removal To Whom It May Concern, I recently reviewed my credit report and discovered that Midland Credit Management placed a hard inquiry on my credit file without my authorization. I am formally disputing this inquiry and requesting that it be removed immediately, as it is negatively affecting my credit score.

The details of the disputed inquiry are as follows : Creditor Name : Midland Credit Management Date of Inquiry : XX/XX/year> Credit Bureau Reporting the Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  in collections unfamiliar collections that I never seen before and I know I didn't do any of them
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Their website is not functional. Using the browser they recommended, my tax info page came back with a 404 error. Just trying to view my loan causes the page to reload indefinitely. They have an obligation to, at the very least, maintain a working website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18-I scheduled a one-time payment on comenity.net.boscovs to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.
Product: Debt collection

Recently, I received notification that my credit score had decreased from XXXX to XXXX ( today it went to XXXX ). I was unaware the Capital One opened a credit card in my name and they were reporting that I was delinquent 30 - 60 and now 90 days because I had not paid the annual credit fee of {$59.00} .... not with penalties and late fees it went to {$140.00}. I reported fraud to both Capital One and to the credit reporting companies of this card. Apparently, nearly a year ago there were charges on this card that was reversed because of fraud. I WAS NEVER AWARE OF THIS. 
Ive worked very hard to have an excellent credit score and now in just two months its been ruined ... by no fault of my own. 
Please help.
Product: Debt collection

I filed bankruptcy on XX/XX/XXXX. My daughter calls me today, XX/XX/XXXX and informs me that she is receiving calls from Capitol One about me. They told her that I had a civil summons and owed over 11,000.00 to them and they want the money. First, I didn't owe that amount that is several thousands more than what my credit limit was and my credit card with them was not even maxed out. This account was discharged in bankruptcy almost 3 years ago. Capitol one has my phone number. Its the same number that I have had for years. They could have called me and discussed this with me and not with my family members. This is not the first time a family member called me and told me that Capitol one was calling them trying to get the money. If Capitol One continues with contacting the family and others, then I will have to sue them for harassment, threats, lies. This needs to stop and stop now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've gone to XXXX XXXX XXXX over the past four years to see my credit reports. I have no problem accessing my reports from XXXX  and XXXX. Each year I try to log-in to Exquifax it says I have to contact them via mail. I believe this is being done on purpose as they know most people don't want to go through the hassle of mailing forms etc. I would like to know if other consumers are having this issue. A recent XXXX XXXX XXXX article mentioned problems people were having with Exquifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the FTC and CFPB that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Phone or Utility I have also experienced the following problems as a result of the identity theft : * Civil suit filed or judgment entered against me. 
* Denied credit or other financial services. 
* Denied employment or loss of job. 
* Harassed by debt collector or creditor. 
In addition, I have lost 8 hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services.

I have no information regarding the identity thief.

I have contacted the following credit bureau ( s ) : XXXX, XXXX  and TransUnion : * regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
I have had the following problems with XXXX, XXXX XXXX TransUnion : I have submitted documentation and was told several times on several calls that they never received documentation in order to remove these harmful inquiries
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of the investigation regarding my dispute with TransUnion, as indicated in the report dated XX/XX/2024. According to the report, no change was deemed necessary regarding the status/type of the account with Bankruptcy XXXX # XXXX. However, I strongly contest this decision and request further clarification on the matter. 

First and foremost, I would like to inquire about the method of verification employed by TransUnion in confirming the status of the aforementioned account. As per the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) and ( 7 ), it is imperative that the verification process be conducted thoroughly and accurately. I seek transparency regarding who verified this account and what specific measures were taken to ensure the accuracy of the information provided. 

Furthermore, I must emphasize that the bankruptcy court does not typically report bankruptcies directly to credit bureaus such as TransUnion. As previously communicated in my complaint t # XXXX, I have submitted documentation as evidence to support my dispute. 

I hereby request that TransUnion promptly reevaluate the status/type of the account with Bankruptcy XXXX # XXXX and provide a detailed explanation of the verification process undertaken. If it is determined that the information reported is indeed inaccurate or incomplete, I insist that TransUnion takes immediate action to rectify the error and delete this account accordingly.