23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have a student loan through Navient. I have called to discuss with them the fact that you are unable to make a principal payment on your student loan. They always give you a run around and I feel that they are making your payments work best for them. The records that they provide are very vague as far as how payments are applied and so on. I have tried to check and make sure that my payments are being applied the way that I want them to be, but it is impossible to tell. I feel very deceived and they should be forced to allow an option to choose how you would like your payment to be applied. In addition, their customer representatives are extremely unhelpful and simply get you off the phone as fast as they can. As a student, I am forced into this loan program, this is a government program and the government should ensure that students are not being mislead.
Product: Credit card or prepaid card

I've tried to opt out of pre-screened credit offers from XXXX but the website seems to be built to have you opt-in without realizing it. The form they use is ambiguous until after you hit submit, and then when you try to find the opt-out option they keep routing you to a page that says you have to use a specific form to opt out by mail. There is no opt-out form on the website, and they tell you that you can't opt-out by mail. The site spins you in circles until you become frustrated and give up. You get sent to XXXX from the Innovis website. I believe they make it impossible for you to opt out of these credit card offers to make money from the card companies by funneling consumers to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting this CFPB complaint today to bring to your immediate attention the distressing fact that I have fallen victim to a severe case of identity theft. After conducting thorough research on the appropriate steps to rectify this situation, it has become evident that I must engage with the FEDERAL TRADE COMMISSION, accessible through their official website at https : //www.ftc.gov, in order to file a comprehensive report. I would like to emphasize that, as per the explicit provisions outlined in FCRA Section 605b, it is mandatory for Credit Reporting Agencies to promptly remove or block any accounts listed in connection with an identity theft report. For your convenience, I have enclosed the necessary supporting documentation to facilitate the swift elimination of the erroneous information that is tarnishing my credit report. The following accounts, which clearly do not pertain to me and have been illicitly opened without my authorization, require immediate attention : XXXX XXXX XXXX Balance 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 Furthermore, in strict accordance with FCRA Section 605B ( a ), it is explicitly stated that the CREDIT REPORTING AGENCIES are obligated to expeditiously block any information within a consumer 's file that is recognized by the consumer as originating from an identity theft incident. This crucial action must be taken no later than four business days from the date of receipt.
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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights . Or list of inquiries 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

This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXXXXXX  at XXXX Equifax has not picked up their mail yet since it was delivered. 

The XXXX XXXX is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail. 

The XXXX XXXX is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT. 

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

1. Equifax is reporting payment history in XX/XX/XXXXXXXX  past due 30 days, 60 days in XX/XX/XXXXXXXX  and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
2. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank. 
6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report. 
The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of DIXON-ROLLINS Vs Experian Information Solutions . Inc. ( 2010 ) and Miller vs Equifax Information Services LLC ( 2013 ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, USPS TRACKING INFORMATION.
Product: Debt collection

I HAVE IN THE LAST 5 DAYS RECEIVED SEVERAL PHONE CALLS FROM USI SOLUTIONS.  REPRESENTATIVE BY THE NAME OF XXXX CALLED AND I advised I did not owe this debt he insisted i needed to GET A PEN AND WRITE DOWN THE ADDRESS SO THAT I CAN SEND PROOF THAT I DID NOT OWE THE DEBT. 

HE THEN PUT A GENTLEMAN ON THE PHONE THAT WAS SCREAMING GET A PEN. 

I ADVISED THAT GUY I DONOT WANT THEM CALLING ME AGAIN HE REFUSED TO LISTEN TO ME AND DISCONNECTED THE CALL. 
i CALLED BACK AND ADVISED XXXX NOT TO CALL ME AND HE INSISTED ALL I NEEDED TO DO WAS GET A PEN AND WRIT DOWN THE ADDRESS I ADVISED AGAIN NOT TO CONTACT ME. 
call dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Equifax started to report my DOB incorrectly. I submitted multiple disputes. It was not corrected until XXXX. I have not been able to view my equifax report through XXXX  or annual credit report.com they both state something is wrong with my personal info at equifax. Equifax is unwilling to help. I called and was sent to a different department. They say they cant even access my credit report. The agents re rude, sometimes I wait on the phone and a agent never answers. Instead it goes to the survey. I can access it on my Equifax.com. Equifax is by the far the worse and most difficult credit reporting agency. I should have access to my credit reports just like I do the other bureaus.
Product: Checking or savings account

On XX/XX/2021, I entered Citibank in XXXX XXXX, CA and deposited a USD check drawn from a XXXX XXXX  for {$53000.00} into my checking account. I alerted the teller that the check should go through freework or collections. I anticipated up to a 1-month lag in being able to access the funds. At the time, I had around {$800.00} in this account. 
On XX/XX/2021, I checked my account online and saw that it was overdrawn by {$37000.00}. In the interim, I deposited an additional {$800.00} into the account, for a total of {$1600.00} of funds. 
On XX/XX/2021, I called Citibank and was told that there was an adjusting error that would be corrected within hours, and that I had {$1600.00} of funds available. 
On XX/XX/2021, I was now overdrawn by {$36000.00} and a check for {$240.00} that I had sent through the online banking system on XX/XX/XXXX was canceled due to lack of funds ( even though I had {$1600.00} on deposit ). I again called Citibank 's help number, and was told that the branch was at fault for withdrawing an unauthorized amount from my account, presumably in an error related to my depositing a foreign check, and that only the branch manager could assist me. I then called the branch directly, and I was told that no manager was available for the foreseeable future. I was not permitted to make an appointment to speak with the manager at a future date. 
I do not have access to the {$1600.00} I have on deposit, and I am being told that I owe the bank {$36000.00}, with no explanation given for why. My checks are bouncing due to this error, and I can not pay bills or access my account.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Verification of Charge-Off and 1099-C for the SoFi Personal Loan account # XXXX. 
This is a request for 1099-C Dear Sir/Madam, I am writing to request a copy of the 1099-C form for the debt that I owed to your company, which has been confirmed as a charge off on XX/XX/year>. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account.

This form is crucial for accurate reporting of income and compliance with tax obligations. I understand that it is a requirement that your company file a 1099-C form for this debt, and I kindly request your assistance in providing me with a copy of this document and if I am not furnished with this document I will exercise my right to use form 3949a information referral & form 211 which is reported to the whistleblower address for the IRS. I will also report this to the Secretary of State in which your entity is registered. It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a 1099-C form for this debt, and I kindly request your assistance in providing me with a copy of this document. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process.

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive 1 ) XXXX MR ( Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX MR already ) 2 ) XXXX MR ( Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX MR points were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department on XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me. 

Meanwhile, there is a separate case with the case number Case # XXXX regarding my AMEX XXXX credit card. With my XXXX, XXXX statement, I have a total expense of {$6200.00} with XXXX transactions within XXXX billing cycle and qualified for bonus 20 % MR. Total earned base points for these purchases are XXXX MR and extra 20 % MR points I didn't receive should be XXXX XXXX points. I called on XX/XX/XXXX XXXX to file this case with AMEX but so far no updates as well. Please follow up for me on these two claim numbers. 

Please see the following URL regarding the promotion the Kabbage XXXX MR sign up bonus. I also attach its image for your reference. 

https : //milestomemories.com/amex-business-gold-120k-points/ https : XXXX I appreciate your assistance. 

XXXX
Product: Student loan

I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.
Product: Credit reporting or other personal consumer reports

Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.
Product: Credit reporting

Equifax was reporting XXXX accounts that I was an authorized user on, however not liable for ( I have cancelled being an authorized user ). I asked them to remove the accounts they removed the first account within a week of the dispute. I contacted them on the status of the second account and the representative told me she could get this taken care of. She worked on the account while I was on hold 30 minutes and came back and said the account will be removed in 24 hours. 48 hours later I pulled my credit report thru the Equifax system and the account remained but the dispute was removed. I called and spoke to a supervisor who said they were working on the dispute, even though the dispute was cancelled. I asked how they could do this because, dispute XXXX was cancelled so I could get my pre approval for a mortgage and is still technically open and that was filed 3 months ago. I contacted the bank, XXXX XXXX, and they stated they had indeed sent Equifax the information 17 days prior though Equifax personnel say they do n't have a record of it. So they are holding my credit report hostage by not being diligent with information give to them. The XXXX other credit bureaus removed these accounts within 48 hours of receiving the dispute because the information stated directly I was only an authorized user and not a joint account holder. I believe all credit bureaus need to help consumers and not hold them hostage because a score of XXXX is not good because of an account being reported but a score of XXXX is good when said account is not shown, big difference in percentage rate for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX  Balance : {$20000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau has many addresses listed on my credit report. The only recognized address relating to me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out to you in a state of utter desperation. The inaccuracies on my credit report have shattered my dreams, torn apart my sense of security, and left me in a constant state of anxiety. My life is unraveling before my eyes, and I dont know where else to turn. 

I recently filed complaints ( Complaint IDs : XXXX, XXXX, XXXX ) concerning several accounts that are inaccurately reported on my credit file. Despite my best efforts, XXXX, XXXX, and XXXX XXXXXXXX XXXX have told me they can not even find my accounts, leaving me helpless in providing details that I dont have. How can I defend myself against something they claim doesnt exist? 

Because of these errors, my life is falling apart. The car I need to go to work and the home Ive dreamt of owning are both slipping through my fingers. I am mentally and emotionally broken. The weight of this situation is unbearable, and I fear that it could destroy everything Ive worked so hard to build. 

The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are wrongly holding me XXXX, violating my federally protected rights to privacy and confidentiality under 15 USC 1681. I reviewed my XXXX credit report on XXXX XXXX XXXX, and was devastated to find glaring inaccuracies that are completely beyond my control. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, under 15 USC 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or corrected. And yet, despite these clear legal protections, I remain trapped in this nightmare.

Furthermore, under 15 USC 1681s-2, furnishers are prohibited from providing information they know or have reasonable cause to believe is inaccurate. And yet, my life is being destroyed by false information that continues to haunt me. 

My Previous Complaint Details : Complaint ID : XXXX ( XXXX ) XXXX ID : XXXX ( XXXX ) Complaint ID : XXXX ( Equifax ) These complaints remain unresolved, and the inaccuracies persist, wreaking havoc on my life. I am begging youplease, remove this inaccurate information from my credit report. I feel like Im drowning in a sea of injustice, with no way out. This is not just a matter of numbers on a report ; this is my life, my future, and my sanity at stake. I can not bear this burden any longer. 

Please help me fix this before its too late. 

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

All these inquires listed below were placed onto my XXXX  report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX  | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |
Product: Credit reporting or other personal consumer reports

I have items on my credit report that I'm unaware of.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
I looked at my credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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. 

These car loans are from the same car that was sold for market value of the car worth at an auction for what the car was worth and there charging me for the price that was sold to me. They never reached out out to me to see if I wanted to buy the car at its current market price.