23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Company sold car and charged off debt. Is still reporting balance after they charged off debt. I have not received the required documentation required under UCC 9.506 RISA and MVISA statues.

9-506 Effect of errors or omissions.

9-611 Notification before disposition of Collateral 9-612 Timelines of Notification before Disposition Of collateral.

9-613Contents and form of notification before disposition of collateral
Product: Student loan

Navient Loan number : XXXX My son has a loan with Navient formerly XXXX XXXX. He took this loan out back in XX/XX/XXXX for {$8000.00}. This loan has been the vain of our existence!!! After school, my son made arrangements to have monies taking from his checking account, agreeing on one specific amount. later he tells me they up the payments, which he could not afford. My mother co-signed for the loan so now the Navient is writing my mother for payment. 

Present day. 

I contacted Navient 's collection department and made payment arrangements. they are taking {$170.00} from my checking account monthly. My mother and I are receiving threating mail and emails from Navient saying the loan is in default. Today, XX/XX/XXXX, I called Navient and asked why are they still hounding us for payment when I've already made arrangements and am making payments to this loan. XXXX informed me that since my son did not call to make the arrangements and have the payment taken from his account the loan will stay in default. I told her that that was a bunch of crap - you're still taking my money for payment. she replied yes. the loan will stay in default for 5 months ( meaning the loan is 5 months over overdue ) even though you're making payments. XXXX also informed me that whoever set up the payment arrangements should have told me that and that my son should have read the TERMS OF AGREEMENT. I told XXXX my son could not afford to make the monthly payment, that is why I, his mother, is making the payment. XXXX quickly ended our phone conversation saying there was nothing else she could do!!! 

We have been making payment on the {$8000.00} loan since XX/XX/XXXX and none of the payments have been applied to the principal of the loan. I am so sick of Navient!!! Something has to be done with this company! they are ripping people off!!! How do I go about getting a lawyer! I need help here! 

XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX Please contact me to discuss. I have ran out of options of dealing with these people!!!!
Product: Credit reporting or other personal consumer reports

This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need mental counseling from XXXX and anger management. Please help resolve.
Product: Credit reporting or other personal consumer reports

comments to the company involved. 
I reviewed my consumer reports and noticed that I have 1 late payment on an account lead bank XXXX. # XXXX that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account that I have included screenshots this complaint in on dates of XXXX and XXXX  please investigate and provide proof and statement showing that these payments were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of my Credit Report 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4900.00} 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 Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Product: Checking or savings account

I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. <P/><P/>Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. <P/>If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. <P/>Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates credit bureaus and protects consumers credit information. Under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ), credit bureaus can not lock or freeze your credit report without your consent. This law mandates that : 1. Consumers have the right to freeze and unfreeze their credit reports for free at all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

XXXX Credit bureaus can not lock or freeze a credit report without the consumers explicit request. 

XXXX Credit freezes must be lifted upon requestwithin one hour if requested online or by phone.

I did not request that Equifax block my credit report and I am demanding my report be unlocked immediately.

Following a request for Equifax to investigate incorrect information on my credit report, Equifax placed a block on my credit report, preventing me or any creditors I give consent to access my credit report with a fraudulent message added when inquiries are attempted, stating, " Fraud alert requested by consumer ''. I did not request to have my credit report blocked. I contacted Equifax 3 times on XX/XX/XXXX and requested my report be unblocked and they have failed to do so, despite the FCRA stating this must be completed with XXXX hour of the consumer 's request. The action of blocking a consumer 's report because Equifax is asked to comply with the Fair Credit Report Act and investigate inaccurate information appears to be an illegal, punitive action to scare consumers into not disputing inaccurate information found on Equifax credit reports. Equifax 's unethical tactics of violating my ability to exercise my consumer rights under the FCRA needs to be investigated. In addition, despite having experienced one of the largest data breaches and proving they can not safely handle consumer information, Equifax has requested that I make paper copies of my driver 's license and social security card and mail it to their office. This practice needs to be investigated, as Equifax employs XXXX individuals across 6 continents and operates in 24 countries, we have no idea who will have access to these physical copies of sensitive information.
Product: Debt collection

I have a collection reporting on my credit reports for a medical debt that been paided long time ago to the original debtor university XXXX XXXX ( faculty associates ) I reached out to them over 3 times and each time I was told the account would be removed from my credit but account is still showing
Product: Student loan

Complaint is against XXXX XXXX XXXXt and their subsidiaries. I am being charged for 4 loans and can only recall receiving 2. I have been sued by these second hand creditors who have failed to provide legitimate documentation for two of the loans but due to my not being able to afford an attorney the judges chose the sides of the attorneys. Loan amounts are {$29000.00} XXXX XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX  XXXX, {$16000.00} XXXX XXXX XXXX  XXXX, {$24000.00} XXXX XXXX XXXX. Also The interest rates were not fully explained and the loans actually doubled for repayment. XXXX XXXX pretended to be a lender that had the best interest of the students but was not. My mother, XXXX XXXX who was my co-borrower and I have been harassed by each of these debt collection agencies. I am asking that my complaint be included with the XXXX XXXX XXXX complaints and that the loans are re-evaluated and that me and my mother are only responsible for the 2 loans received. 
XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX patient and I had to send money ( {$70.00} ) for medication to my cousin, XXXX XXXX XXXX XXXX in New Jersey. Her number is XXXX. While sending the money via Zelle XXXX, I made mistake and typed XXXX and the money went to XXXX XXXX XXXX XXXX who lives in New York. 
I immediately called him and told about the error. He talked to his bank ( XXXX XXXX  ) and asked me to retrieve the money via my bank XXXX XXXX  XXXX XXXX ). 
I filed a claim and waited for 45 days and my claim was denied. My bank is asking me to contact the recipient and demand my money. I contacted him multiple times via text, even left phone messages but he does not respond. 
XXXX  XXXX XXXX says Zelle is a third party while the truth is they own it jointly with XXXX XXXX  and some other banks. I have spent hours making calls and visiting the bank but no one is willing to help. They do {$75.00} XXXX  business through Zelle only but do not care for my loss of {$70.00}. 
Please find attached 1- the proof of transaction, 2- proof of my text message with the un-cooperating recipient, 3-Bank 's denial of claim letter. Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove the block on my Equifax account. The type and amount of security questions were unreasonable and in most cases did not apply to me and I was unable to remove the block from my account.
Product: Debt collection

I disputed an alleged debt thats reporting on my credit reports reported by Transworld Systems for {$510.00}. Transworld Systems responded with a letter and a photocopy document allegedly from XXXX XXXX the printout is incomplete and inaccuate. The print out has JUST the last name of an allege debtor NO first name NO address NO birthday NO S.S number just the last name XXXX picture included. There are 61,000 people in America that has the last name XXXX this document does not represent me. Transworld Systems has fail to send me complete documents regarding this alleged debt and Transworld Systems is violating FCRA criteria for validating this allege debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To my bank, You have advised me that my current {$58.00} dispute is disrupting a credit balance refund request in the approximate amount of {$1600.00} -- submitted on XX/XX/24 and following the 10 business days ( today ), the transfer did not go through due your policy of any open disputes ( in my case a {$58.00} dispute as advised by live chat ). 

You policy is not providing appropriate banking services in the United States during an ongoing recession. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need 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
Product: Credit card

I 'm a victim of identity theft, and credit monitoring/freeze by XXXX has proven ineffective. 

I recently found {$5200.00} worth of charges to a banana republic account that I have n't used in years on my credit report. I called XXXX to report another case of fraud and they called Synchrony Bank, but they were unable to successfully dispute charges or help. They left it to me to call Synchrony Bank at a later time and request statements ( all statements ) of charges so that I could dispute them as fraud. XXXX did confirm with Synchrony bank that a flagged fraudulent address had been issued a replacement card and was incurring the charges. The same fraudulent address in XXXX CA that has been the source of my many issues. Despite this, Synchrony bank would not give information/release the statements. 

I called synchrony bank to get the statements, but because the identity theif 's address and phone number ( which I do not know ) are tied to the account, they would not send me copies of the charges. 

I 'm in a difficult position where : 1. Synchrony bank knows fraud has happened, and has confirmed this with XXXX. 
2. XXXX is unable to help me until I have all the fraudulent statements AND 3. Synchrony bank will not send copies of the statements to me because I do not have the security information the ID thief put in place. 

Summary : Synchrony Bank & Banana Republic would like me to pay them {$5300.00} for a bill they ca n't show me.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following account from my credit report due to identity fraud : Creditor Name : XXXX XXXX XXXX XXXX Partial Account Number : XXXX 

I am requesting that this account be immediately removed from my credit report in accordance with the Fair Credit Reporting Act. I have already taken the necessary steps to report the fraudulent activity to the appropriate authorities and have included a copy of the proof of identification / address and the police report/ FTC identity theft report with this letter. 

I understand that it may take some time for the fraudulent accounts to be removed from my credit report. However, I am requesting that you provide me with written confirmation that the accounts have been removed within 7 days of receiving this letter.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Mortgage

My mortgage loan was illegally sold by GMAC mortgage to Ocwen Loan Servicing to attach credit card default judgement debt without my consent. My interest rate and insurance remains too high though I continued to pay regularly for more than five years. I receive offers to refinance to lower monthly payments but I do not want to refinance because I do not want additional debt. Rather, I want my mortgage loan to be paid down much faster.
Product: Prepaid card

I received an American Express gift card around XXXX and have since tried to use it online and in person at many different locations. No matter what I do, it is not accepted anywhere. I have tried to contact American Express, but I get stuck in a loop with a robot on the phone. The first place I spent it, XXXX, charged a different account of mine because the gift card suddenly declined. I cant get in contact with anyone, and from reports I've seen online, this is a common problem with the American Express gift cards.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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