23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the pa st three years Navient no w has my loans, and every time i call them to find out options considering my situation, they always fail to help me. I try to get information from them and i feel that they hesitate to really explain how each option can effect you, also are not clear at giving you numbers if i ask for them, they just tell me we wont know till you apply for that or apply for this. I called again this morning just to find out more information on my loans, and they give me the run around. The are not clear on giving you information, they sound like robots, and since this is a sensitive subject for me, they are not kind. Also i asked if i can join certain payments together or i have no idea how they decide to separate my payments, so i am able to bring my principle down. I feel with navient my principle just goes up and up, and they only give me an A or B option. I know there is more that can be done, or at least know what my options really are so i feel that i am at least making a dent in my student loans. I have complained may times to navient, that they dont have enough options for me and all they say is sorry, this is all we offer. I dont think this is true cause i feel other people dont feel this way in other companies.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of information on a consumer 's credit file if the consumer claims it is the result of identity theft. U.S. SENTENCING COMMISSION. 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 15 USC 1692 The FDCPA 's purpose is to eliminate abusive debt collection practices, protect debt collectors who don't use abusive practices, and encourage consistent state action to protect consumers. 15 USC 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use ofcredit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use ofcredit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Under the Fair Credit Reporting Act, you're entitled to a fair and accurate credit report. If information about the repossession is inaccurate or unsubstantiated, I have the rights to dispute from my credit report. Delete these inquiries due to violation of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection Chargeoff {$15000.00} account number XXXX XX/XX/XXXX XXXX Collections Chargeoff {$2100.00} XX/XX/XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

I have submitted disputes on these 4 credit card charger-offs on 3 separate occasions and XXXX, XXXX, and EQUIFAX. They still have not resolved the issue. The credit card companies violated FCRA 605B by reporting my personal information to the credit bureaus without my consent. Thus, violating two consumer laws - 15.USC 6801 and 15.USC 6802.

The disputes are these listed below : Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$590.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8000.00} Highest balance {$9700.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4000.00} Highest balance {$4300.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5500.00} Highest balance {$6900.00} Terms - On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

purchased 2006 XXXX XXXX financed thru XXXX XXXX XXXX  that was paid off in XX/XX/2017 and i  have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Product: Credit reporting 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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. 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 metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

On the trust agreement the account number is different On the mortgage statement the account is different And on the credit report, the account is different totaling three different account numbers.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to XXXX and Transunion on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both XXXX and Transunion credit file and have not been fully validated as requested.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

Experian and XXXX are reporting late payment but different months. Experian is reporting it as a collection but not XXXX and XXXX. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. XXXX, Experian, and XXXX continue to report inaccurate information knowing it to be false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that is on my report is XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Debt collection

I got a call from Capio Partners Llc some times 2 months ago, they told me I was owing a medical bill due to treatment I got sometimes last year. 
I asked him few questions about the name of the hospital and why has the hospital not contacted me before reported it to the collection. He told me the name of the hospital and it was a fact that I was admitted there last year for 2 hours but I was curious to know why they did not get to me before reporting me to debt collector. 

I told him I will check with my previous job health insurance company, I did gave them a call and they told me I dont have any outstanding and I should be careful of scammers. 

After this, I made a call to the Hospital and someone promise to give me a call back because the person to check the record was not on seat. 

I did not get any letter or further calls from both hospital nor the debit collector but the report did appear on my credit report as Derogatory Account few days ago. 
Because I would not want to toy with my credit history, I quickly call the number on the report and after making my complaint I decided to make the payment so as not to give me negative impact. 

Though I had paid but this will have a big negative effect on my account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. Portfolio Recovery Associates account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. Portfolio Recovery Associates and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, XXXX, XXXX, and Portfolio Recovery Associates whether it be verbal, non-verbal, Written, implied or otherwise is revoked. Portfolio Recovery Associates are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The Portfolio Recovery Associates account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. XXXX, XXXX, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Debt collection

Received a letter dated XX/XX/2023 from National Enterprise Systems ( address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio XXXX ) that I have a debt amounting to {$5900.00} owed to XXXXXXXX XXXX XXXX. with account number ending in XXXX ( Reference number XXXX ). I do not have and never had an account with XXXX XXXX  XXXX, I do not owe any amount stated in the letter. The letter was also sent to an incorrect home address. I have tried to contact National Enterprise Systems and left a voicemail that I am contesting this notice and debt and reporting it as fraud. I have asked them not to contact me anymore, as I have nothing to do with this debt.
Product: Credit card or prepaid card

I've had the credit card since XX/XX/XXXX. Recently, I started adding some friends and family members to the card in an attempt to help boost up their credit cards. Chase charges me {$75.00} for each person that I add on for a new card and there was no stated limit to the number or frequency of how many people or who could or couldn't be added. ( Never got a warning, phone call or anything about it. ) On XX/XX/XXXX I got a phone call from Chase, ( which I missed because I was at work ) saying they were reaching out for potential fraud. I called back on the XXXX when I realized my account was closed. I called the fraud department back and explained that It was actually me that added the authorized users. The woman I spoke with said ok, and told me she was going to reactivate my account and overnight new cards to me. When I got the new card, I called Chase as directed to activate the card. After speaking to XXXX different people in " the right department '' I was told that my account was permanently closed and would not be reopened. I asked why, and I was told because of the authorized users I added to my account. To me this is unacceptable. I have been a loyal customer with this card for over 5 years, never missed a payment or had any other issues. If there was a limit on the authorized users, I could add or certain criteria, that should have been posted or stated. Instead, I received no warning, correspondence or solution besides being treated as a criminal and closing my account.
Product: Mortgage

We have struggled to get Wells Fargo to review my application for Loss Mitigation Assistance due to hardship, income reduction, loss of rental income, and no assets. I kept being told I do not qualify I have 5 properties, however it is 3. The other ones co signed do not have anymore, we have provided all documents and unsure why I was denied. They could not explain to me the denial reasons, I have played phone tag with them for over a year now. I recently applied in XX/XX/2018 and unsure what happened and why I was denied. Now I am being told after many attempts to re-apply the sale date is close and we can not do anything. 

Please escalate this matter to their VP, Chairmans, Attorney 's as this is an ongoing process and nothing has been done with their management esclation team. No one wants to have authority to make exceptions, we love our home and need to keep for retirement purposes and have true hardship and cannnot get loss mitigation dept to to their job successfully.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiry dated XXXX. I asked the inquirer ( XXXX XXXX ) and the credit bureau ( Equifax ) to remove this fraudulent inquiry. Both parties have disregarded the law.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX EMPLOYER : XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX