23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had constant communication with Navient over the past six months as I am trying to pay off my loans quickly. I started tracking my monthly bills as I started making XXXX dollar payments ( my monthly IBR is {$360.00} ). I pay {$700.00} to ensure I am covering the new interest that is accrued monthly. In XXXX my total loan balance was {$130000.00} and in XXXX my total loan balance was {$130000.00}. I had not made a significant payment at this point in time only the {$700.00}. In addition, the total unpaid interest for the loan was {$17000.00} in XXXX and then in XXXX it was {$28000.00}. I called to inquire and a woman told me it was because they audited my account and found that they had paid too much of the interest on my subsidized loans. I just got off the phone without inquiring more. I then called back and the new Navient customer service rep could not find out why the interest changed and the balance. He put in an inquiry at which point I received a letter from Navient " explaining '' what happened. When I called again to ask what the letter meant the customer service rep could not tell me. He put in another request asking why my account was audited, a full report of every payment I've ever made, and a better explanation of the increase in the unpaid interest. I received the letter explaining the aforementioned and all it was was a generic sheet on how interest accrues. My questions have yet to be answered. I find it very interesting that they decided to audit my account once I started making large payments. I've made close to XXXX in payments since XX/XX/2018.
Product: Debt collection

On XX/XX/XXXX, I called this company to company to verify this debt and was told I have to pay to receive this information. I additionally mailed a written letter to the company on Sunday, XX/XX/XXXX to XXXX requesting proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Payday loan, title loan, or personal loan

Requesting my total refund amounts in the amount of {$500.00} prior to XX/XX/2021 and {$36.00} prior XX/XX/2021 from Self because they closed my credit builder account at their own discretion without notifying me and I requested that my payout be sent back to my bank account instead of a check being mailed via to my address but as of tomorrow I will be most definitely disputing both charges through my bank. For your records for mines as well the credit builder account number is XXXX, loan number is XXXX and then the CD number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection recently appeared on my credit report from AmSher Collection Service for {$140.00}. I was never notified of a collection attempt, informed of the name of the original creditor, or given the opportunity to dispute the debt. I have no knowledge of any outstanding debt, so I do not believe it is valid. However, even if there is a chance that this is valid debt, AmSher has acted in bad faith by reporting it to credit rating agencies without first doing their due diligence in informing me of a collection attempt.
Product: Debt collection

Someone called me from a company called " Capital Link '' stating that they were attempting to collect a debt from a PayDay Loan ( that is from over 10 years ago ) and that I already paid off. The person on the phone stated that they had my social security number. She then asked if I could elaborate more to which I responded I don't need to elaborate anything with you. I have full access to my credit reports from all 3 bureaus. I have nothing in collections and excellent credit scores. The fact that they called to " collect '' a debt which I'm either way past the statue of limitations on here in CA or I have already paid sounds extremely fraudulent and misleading. They also sent me unauthorized text messages from the same company of which I never opted in to receive texts from as well as contacted my mother 's home line and spoke to her in a threatening manner.
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is XXXX XXXX XXXX XXXX XXXX XXXX, from and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. 

Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow.

Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

This concerns Venmo. I tried to open a Venmo account with my phone number. I have had this number for XXXX years. The phone number appears to already be registered with another Venmo account, likely the person that used the phone number before I acquired it. Venmo appears* to have reacted to this situation by triggering a block on my phone number that has trickled through the financial services system and is preventing me from using my phone number with other money transfer services, such as XXXX XXXX 

If Venmo had concerns about the phone number they should have ( 1 ) blocked the Venmo account that has that number registered, ( 2 ) tried to re-validate that number with the user of the account, and ( 3 ) delete that phone number from their records if the user was unable to re-validate it.

Venmo clearly has no procedure for periodically re-validating user 's phone numbers. They should be required to implement this. Venmo should not be allowed to trigger an industry wide block on the phone number of a non-Venmo customer on such paltry grounds. That response is causing me a great deal of inconvenience and was disproportionate. 

* As mentioned by a XXXX employee.
Product: Debt collection

Dear XXXX XXXX XXXX I am writing in response to a collection account reported by your agency, referenced under account XXXX, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), section 809. Please provide me with the following information : 1. **Proof of Debt**. Documentation showing that I am legally obligated to pay this debt, including the original creditor 's name, account number, and the amount owed. 2. **Verification of Your Authority : **Proof that your agency has the legal right to collect this debt on behalf of the original creditor. 3. **Detailed Account Information : ** A complete history of the debt, including any payments made and interest or fees added. If you are unable to provide the requested validation within 30 days of receiving this letter, please remove this collection account from my credit report and cease all collection activities related to this debt. Please respond to my request in writing at the address provided. Thank you for your prompt attention to this matter. 

Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I contacted our lender, PHH Mortgage, about refinancing our mortgage today, XX/XX/20. As part of getting a refinance quote, the lender ran our credit scores. PHH reported to me on our recorded call the my wife 's credit scores were XXXX, XXXX and XXXX. They reported mine was XXXX, XXXX and XXXX. This was used as part of our refinancing quote for eligibility and for terms. We both just checked our credit today after the call. My wife 's XXXXredit score is XXXX in XXXX and XXXX with XXXX. My scores are XXXX and XXXX respectively. We are not going through with the refinancing but want to notify the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted multiple times since XX/XX/2017 to remove the remarks that my account for American Express which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX  and XXXX  have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently was sent a pre approval link from discover I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my XXXX  score like crazy. I called Discover twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact XXXX so they can remove it. I than called XXXX  waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone discover ran my score through. In there own tape recorded conversations they had stated all I had to do was contact XXXX  and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of discover saying pre approved, the inquiry being place and the credit drop it created.
Product: Money transfers

I transferred XXXX from my Paypal account to my bank account. The status from Paypal says " completed '' but the money is nowhere to be found in my bank account. Calls to Paypal remain unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting incorrect accounts to all three credit bureaus. This is not my account, I've tried contacting Wells Fargo several times and stated that this is not my loan!!! I have never received anything other than it showing on my reports. It is now reporting with a balance on 2 of the bureaus and showing that they charged off as bet debt on XXXX. This account is NOT MINE!! and is reporting badly to all three bureaus, which is harming my credit and preventing me from getting a loan. I want this matter resolved immediately.
Product: Debt collection

Back in 2012 I voluntarily surrendered my vehicle. There was a remaining balance on the loan, which then got sent to collections. Since 2012 I have moved twice, and never received anything from the collections agency National Recovery Agency. I called them from from the number that was on my credit report, asking if they could please mail me something to verify my debt and balance that I owed. They said they mailed something back in 2012 and they did not have to send anything again. I told them that I never received anything, and asked again if they could send me something. She said they were not a billing company and since they already sent something in 2012 whether I received it or not - and my address did change- they would not send anything else. She also said that if I made payments on my debt they do not send a receipt or updated statement. How am I supposed to pay on a debt when collections agency practice like this? How am I supposed to pay when I am unsure of the amount, and if they are applying my payments to my account?
Product: Credit card

I applied for a card during my checkout process at Victoria 's Secret. I was told there was a problem with my application but the cashier didn't know what the problem was. So I paid cash for my purchase. I received a letter in the mail stating that XXXX XXXX  needed more information from me. I shredded the letter because I no longer wanted to receive credit with this creditor. I never received a card because I didn't comply by giving them the information requested. Then I started getting collection calls and turned into collections for a card I was never approved for and never received. I don't owe this debt or else I'd pay it!
Product: Bank account or service

I am losing my home and thus will have a physical address and my credit card, American Express, requires one for my account. Apparently this is a requirement for the Patriot Act but if I do not have a physical address, I can not provide one. What do those of us without physical addresses do?
Product: Checking or savings account

I made a purchase online from a XXXX  seller named @ XXXX. He goes by the name XXXX XXXX. They were selling an XXXX that i offered to pay {$790.00} dollars for. Seller asked to make payment through XXXX  to avoid paying XXXX fees and starting messaging me through the number XXXX XXXX XXXX. I sent 50 % of the transaction which was {$390.00} on XX/XX/XXXX to sellers XXXX  number XXXX XXXX XXXX. Next day seller sent me a USPS tracking number XXXX and urged me to send some portion of the remaining balance, for which I sent another {$200.00} to them. It has been two days and there is no update on the shipment. I have even contacted USPS and they said they have no evidence that this is a real package label ( nothing is showing up on their end ). I have also contacted my bank ( Bank of America ) who filed a claim for the incident and they told me to contact police to file a report for an online scam.
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 .This 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB MANAGEMENT BOUGHT A CLOSED AND SETTLED DEBT FROM XXXX XXXX XXXX XXXX WAS PAID OFF WITH A SETTLEMENT CHECK AND ACCEPTED THE SETTLEMENT AS PAID IN FULL THEY CLOSED THE ACCOUTN AND CHARGED OFF. i DON'T OWE XXXX XXXX OR NCM MANAGEMENT THAT BOUGHT A DEBT CLOSED AND PAID OFF. I WANT THIS REMOVED FROM MY CREDIT REPORT I DON'T OWE THIS COMPANY ANYTHING
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My money was stolen from my savings account ( XXXX ) and checking account ( XXXX ) and Wells Fargo came up with different excuses on while they didnt give me my money back
Product: Vehicle loan or lease

On my very first payment I attempted to send in, I had the account number off by a digit and did not realize it. I was not made aware of it until it was too late. I corrected it immediately. I own over 10 cars, literally I have more than 10 loan payments every month that i keep up with. I understand this is NOT BMW financial 's fault, so i wrote a letter and just asked for forgiveness for this one misstep. Since then have I made every single payment on time as promised and will continue to do so until the vehicle is paid off. 
I know they will tell me that they are required to report accurate information to the credit bureau, but i also know there is a way they can forgiveness if they choose to help me out. I have seen it done in the past and i have a perfect payment history other than that first blunder and will keep it this way. I am just begging for forgiveness.
Product: Credit reporting or other personal consumer reports

Equifax on XX/XX/year> you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Debt collection

NATIONAL CREDIT SYSTEM HAS ATTEMPTED TO COLLECT ON A DEBT THAT I DO NOT OWE. THERES AN APARTMENT IN ALABAMA THAT SOMEONE OBTAINED FRAUDULENTLY IN MY NAME, NOW A COLLECTION AGENCY IS TRYING TO GET ME TO PAY A BALANCE I DO NOT OWE. I HAVE NEVER LIVED IN ALABAMA. BALANCE IS {$360.00} ACCOUNT WENT INTO COLLECTIONS XX/XX/2022
Product: Debt collection

I asked the company to view the police report that I sent to them. I informed them that the account was a product of fraudulent activity. I asked them to remove any negative information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX according 15 US Code 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Response is all said varified, but know evidence on how they varified the information ; written or verbal!!!
Product: Mortgage

I am trying to get the PMI on my mortgage removed. Loancare is not allowing me to speak with anyone associated with the PMI department at my lender, XXXX XXXX. I want to remove a deduction on my mortgage of XXXX Mortgage XXXX ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. 

I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. I want to know why I can not talk to PMI department at my lender. Here is my information : Loan # XXXX, Phone : XXXX
Product: Credit card or prepaid card

Apple Card " Goldman Sachs '' Mandatory needing an Apple mobile device to view the current or past transactions, pay or view the amount due, or challenge transaction. Nowhere in the documentation that this is described. 
Refusal to send paper documentation regarding transaction disputes and monthly statements when no Apple Device is available to view this information, notification was sent to Apple Card " Goldman Sachs '' and also by phone to describe issue but they refused to send information even stated that I must buy an Apple mobile device to see all statements regarding Credit Card.