23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, My family and I are going through a terrible time right now and need help. In 2003 I consolidated my student loans with XXXX XXXX ( now Navient ). My objective was to pay additional sums to principal each month in order to subordinate the loan faster. I put this in writing directing XXXX XXXX to do this, To my chagrin this did not happen. After attempting to get to the bottom of what happened, Navient simply obfuscated and has now sent my 'balance ' to XXXX for default. I need help as my credit is getting hammered and I feel frustrated at the lack of respect I 'm getting from Navient and XXXX. Where are my rights as I am outraged at this mess. 
Please have someone get back to me. 
Also, I have received hundreds of threatening and harassing phone calls from a collection agency hired by Navient that fails to identify itself and refused to stop calling. 
Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX  XXXX ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account even after I settled the account and paid it off. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Product: Credit reporting

I have repeatedly disputed these items with Experian since XXXX and they are just now starting to remove the items that do not belong to me. I have also been in touch with the agencies and XXXX and i am not in their system. Everyone is aware that these accounts do not belong to me, yet they are still remaining on my report. XXXX and Experian have removed these items off of my report yet Experian wo n't. I have lost all of the patience that I have. I have filed a lawsuit as of this morning against Experian for the full amount the law allows. From this moment on, I will let my attorneys do the talking. Not to mention that there are addresses on this report that do not belong to me that have never belonged to me and they refuse to remove those as well. I have attached my intent to sue notification that lists all of the accounts that have yet to be removed. This is causing harm to my family financially. I have already filed suit in court as of this morning. They are not operating with the law. They are clearly going against it. I have had enough and now they can speak to my attorney. They only can speak to me when they remove the items.
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 15 USC 1681. XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX opened XX/XX/XXXXXXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX XXXX account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 items 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, credit repair services, or other personal consumer reports

This information for XXXX XXXX, XXXX XXXX, does not belong to be & I have not completed any applications with these companies. I have explained this to the people at TransUnion but they still report it. I have requested this to be deleted because this is all fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights.

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
Product: Debt collection

They call evey XXXX minutes between XXXX and XXXX, even after I talk to representive. They even admitted that it was robo calling.
Product: Debt collection

XXXX XXXX was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.
Product: Credit card or prepaid card

I contacted Capital One about an Inquiry on my account due to my Social Security being stolen. I requested a letter to send to the 3 bureaus to remove the inquiry from their business. They stated that they have no account associated with my social, address, or name. I then asked for a letter to state that I have no account with them and they replied they do not send letters to home addresses. I would like a letter to state that I have not tried to open an account with them to get this Fraudulent Inquiry from Capital One on XX/XX/XXXX removed. I was directed to this site from XXXX to proceed with the removal.
Product: Debt collection

I ran my credit report and noticed that there was a company on there named Avante USA with an over XXXX balance that I have no knowledge of. I have tried to dispute it with XXXX  and they are saying that the account is accurate but I have no knowledge of it. When calling the company my name and dob is on the file but not my email or.address or phone number so they won't do anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Disputed inaccurate late payments with Transunion for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX acct XXXX $ XXXX ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( XXXX late ) XXXX acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( 60days late ), XXXX ( 60days late ). I did not receive an update in regards to the results of the dispute nor did I receive information on how they obtained or verified it. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, Transunion, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.
Product: Credit reporting or other personal consumer reports

These inquiries are not connected to me, and I have no relationship with the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 SECTION 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. Thank you.
Product: Mortgage

I have been in COVID-19 forbearance since XX/XX/XXXX. I was 2 payments behind at the time the forbearance began, however I would not have requested the forbearance if the country had not shut down due to the pandemic, as I was working two jobs and able to make payments at the time. 

In early XX/XX/XXXX I reached out to my servicer to begin the process of ending forbearance. They requested additional information multiple times, which I provided. I finally received confirmation that they had all the documentation that they needed in late XXXX. I received the final verdict of the loss mitigation, and was surprised to be denied all available loss mitigation options. After 2 months reviewing my information, all of which documents that the forbearance was COVID-19 related, it appears that my loan servicer did not look into pandemic related support for my mortgage. 

According to the determination, I am required to pay {$24000.00} in order to maintain my loan. I do not have access to this amount of money, and from my understanding of Pandemic legislation, my servicer can not request a full lump sum reinstatement since I have an FHA mortgage. 

I am submitting an appeal today, XX/XX/XXXX. However, I am very concerned as the documentation states that if my appeal is not approved, I will have to pay the full amount by XX/XX/XXXX in order to keep my home. I feel that I have been mislead throughout the process, with documentation stating that there would be multiple options for paying the missed amount back. I am both shocked and scared that my institution is now stating that I have not options.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my report that should be removed. The information reflected by Equifax was wrong and i sent a dispute to them on XX/XX/XXXX and received a response on XX/XX/XXXX with updates to it as well as my Fico score dropping 14 points for no reason what so ever. A payment was missed to a hospital in XX/XX/XXXX and the debt was sold to this collection agency and they have been misrepresenting the delinquency date since. When I reported this to Equifax and ask that they remove it as it has been over 7 years since the delinquency which also has been paid in full, they corrected the delinquency date to reflect it being much older, updated the debt collection and balance date for today thus dropping my score 14 points. That is not fair and that is not legal! It should have been completely removed. Clearly something is amiss here with this. I have attached a pic of the credit report reflecting the collection as well as a pic of there updated results.
Product: Payday loan, title loan, or personal loan

I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with oneblinc maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. 

They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {$3600.00}. 

Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {$4900.00}, but on my account it shows {$3600.00} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {$90.00} biweekly. 

Truthly I feel the company isn't being honest with posting my correct balance. 

I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. 

That doesn't look good on XXXX. I feel like I can't trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities.

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX   for {$4600.00} opened XX/XX/XXXX 3 )  XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX  with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Product: Credit reporting

Verizon wireless pulled my credit without my authorization and equifax is not willing to remove the unauthorized inquiry, XXXX wo n't remove it either. I stopped at the verizon store on XXXX just to check their phones selection and what plans they offer and never authorized them to pull my credit. 
verizon Application # XXXXEquifax dispute # XXXXI want XXXX and equifax to remove the unauthorized inquiry to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which 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 XX/XX/2021 XXXX XX/XX/2021 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I asked the branch XXXX XXXX XXXX at XXXX bank in XXXX, XXXX  for my XX/XX/XXXX bank statement that was closed in around XX/XX/XXXX. Ive been trying to get information since XX/XX/XXXX. I have been calling practically every week and the XXXX gives me some excuse and hes trying but never calls me back. XXXX did call back once around XX/XX/XXXX or XXXX saying the system is down and hes been busy! Well I need this information or I wouldnt be wasting my time. XXXX was supposed to call me back XX/XX/XXXX but never did. Im not calling him again so I decided to complain.
Product: Checking or savings account

Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX  NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days. I also used someone's refer ( XXXX XXXX with account no XXXX ) and each of us would get an additional {$50.00}. However, I met the requirements but I don't see either the {$200.00} or the {$50.00} referral bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.
Product: Debt collection

I received a voicemail message on XXXX XXXX, 2016. The message stated that the caller was calling in reference to a complaint pending against me in XXXX XXXX. The caller stated my name and left a call back number. The caller also contacted XXXX family members on this day leaving the same message. On XXXX/XXXX/2016 the caller contacted another family member with the same message and called me. I answered the call which was a recording and then called the call back number. Upon speaking to a male representative, I verified my name and asked to have my number and family member 's number 's removed from the call list. The representative stated that I was upset that the company had called my family and needed to stop running from the situation. I continued to insist that our numbers were removed and the representative hung up. I called back and spoke to another representative, XXXX XXXX. I again requested to have our phone numbers removed and was told that I was not able to do have them removed and that I was " not in control '' of the situation. The representative, XXXX XXXX, proceeded to tell me that I owed money that needed to be paid. I explained that I was aware of my rights to have my number and family members number removed. The representative became noticeably upset called me a " thief '' and hung up the phone.
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 15 USC 1681. 


I told Transunion and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account Number 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 supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I was affected by hurricane Michael and accepted a disaster forbearance from Bank of America with the understanding that at the end they would bring the loan current by placing the payments in the loan as they did for Hurricane Irma which was a FEMA declared disaster. 

At the end of the forbearance they did not do it putting me behind. I and my wife are XXXX us XXXX veterans who served in XXXX. We were forced to submit a loss mitigation package and have done that but Bank of America has not processed that and we are headed to foreclosure.
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on XXXX, XX/XX/2023 XXXX Experian and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, no later than 4 business days after the date of receipt. it has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX XXXX has been calling my wife and I for a account that was charged off back in 2006, For many weeks even after we told them they do n't have the right to harass or try to intimidate us over this matter and this matter was settled over 11 years ago and a number of debt collector ago where I made a offer to settle and clear the debt and never had further contact from any other debt collectors over the past 11years ; Now the XXXX XXXX XXXX have turned even more aggressive now we asked them to stop with the phone calls every other day and night for weeks on end ; They wo n't listen to our request and could only tell us that they are the fourth debt collection agency since 2006 that wanted to collect the debt even after I told I settled this matter and to cease and desist all forms of contact on this matter for it was settled 11 years ago and to leave us alone for the final time on this matter ...
Product: Student loan

I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).