23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove the item " DEPT OF VETERANS AFFAI  Account Number : XXXX '' off my report. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws.
Product: Mortgage

THIS IS A COMPLAINT AGAINST BANK OF AMERICA FOR NOT PROCESSING THE LOAN APPLICATION IN A TIMELY MANNER RESULTING IN FAILURE TO GET THE LOAN ON THE CLOSING DATE. 
Loan amount : {>= $1,000,000} ; Loan amount was changed to {>= $1,000,000} on XX/XX/21 for easier qualification. Date of application : XX/XX/2021 ; Closing date :XX/XX/2021 Main issue : In spite of making clear to the loan officer at the time of applying that if I do not get the loan I am at risk of loosing {$180000.00} since closing was not contingent on obtaining the loan. Loan was not approved by the closing date and I had to arrange for close to XXXX in cash in less than a week Problems encountered : 1. In ability of Home Loan navigator to accept large documents 2. Failure to review, act on and accept the uploaded documents in a timely fashion 3.Delayed Condo approval process due to delay in requesting as well as requesting unreasonable documents 4. Failure to qualify me for the loan while the condo approval is pending.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO XXXX XXXX DEPARTMENT XXXX ID FOR COMPLAINT SENT TO EXPERIAN LEGAL DEPARTMENT XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below XXXX the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize any of this credit inquiries 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 card or prepaid card

I have tried on NUMEROUS occasions to get Capital One to give me a credit line increase. My credit limit is still {$500.00}, the same since I got the card. I have a very good credit score, and XXXX XXXX who's card I got after Capital One ) has given me a {$7500.00} credit limit and regularly approves increases. 

Capital One sends an automated letter stating " recent use has been too low ''. I pay all my bills early or on time, and this is a lame excuse.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Issue : Charged off accounts should not have a balance. This account is currently showing a balance, which is incorrect. 
Open Status : This account is not supposed to be listed as " open ''. This account is inaccurately listed as such. 
Payment status : This account is reporting as " Missed Payment '' on my report. 
No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information.

I urge you to take the following actions promptly : Investigate the inaccurate information. 
Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 
Correct my credit report accordingly and provide me with an updated copy. 
I expect these corrections to be made within the 30-day period specified by the FCRA. Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Mortgage

Multiple attempts to review documents correctly. Repeatedly denied forbearance or reasonable modification. After losing my job I was offered {$20.00} off of my mortgage payment. This offer is provided multiple times and was more than my salary. Foreclosure, proceedings were started and I was forced to sell my home reduced price Multiple complaints to your organization for years. I recently received a cashiers check for {$200.00} and an apology from Wells Fargo, that they erred when reviewing my documents. Since they have admitted wrongdoing, and caused me to lose my home, I should be part of the class action lawsuit since I have repeatedly contacted Wells Fargo.
Product: Credit reporting or other personal consumer reports

, I am deeply concerned that I have not received the required Personal Financial Privacy Policy Notices and annual opt-out statements under the GLB ACT & NEW JERSEY DATA PRIVACY NOTICE under the NJDPA in WRITING as mandated by the GLBA & NJDPA.These notices are crucial to ensuring that consumers like myself are informed about how our financial information is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.

I Request for Compliance and Remedial Action : I demand that these CONSUMER REPORTING AGENCIES take the following actions : 1.Provide me with the PROOF Personal Financial Privacy Policy Notices and annual opt-out statements & NEW JERSEY DATA PRIVACY NOTICES was mailed or delivered as required under the GLBA and NJDPA.

2.Conduct an immediate review of your privacy notice dissemination practices to ensure full compliance with federal and state laws moving forward.

Violation of the New Jersey Data Privacy Act ( NJDPA ) : In addition to the GLBA violation, These CONSUMER REPORTING AGENCIES has failed to comply with several provisions under the NJDPA, which grants consumers specific rights to their personal data, including : .The right to confirm whether personal data is processed. 

.The right to access, correct inaccuracies, and delete personal data. 

.The right to opt-out of the processing of personal data for targeted advertising or sale. 

These CONSUMER REPORTING AGENCIES failure to provide these rights and the required privacy data notices constitutes a violation of the NJDPA. Furthermore, EXPERIAN XXXX XXXX has allowed unauthorized third-party financial institutions access to my personal and financial information, including sharing details from my consumer report without my consent, in direct violation of the NJDPAs prohibition on processing sensitive data, such as financial accounts information including my Aidvantage student loan account without consent, If this matter is not promptly resolved, I will have no choice but to escalate this dispute by filing a formal complaint with the appropriate regulatory authorities and pursuing legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that used to very the accounts i dispute. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - " they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this issue immediately.
Product: Debt collection

Follow up to complaint XXXX. Choice Recovery did not respond or acknowledge the complaint filed in regards to Acct. # XXXX for XXXX XXXX for XXXX in the amount of {$170.00}. See Choice Recovery 's attached letter. They responded only to some other account called XXXX???? Another bogus account??
Product: Checking or savings account

Moneylion wont let me receive my money after they put a hold on my account or closed it
Product: Debt collection

I am filing a formal complaint against TekCollect for attempting to collect a debt on behalf of XXXX that I do not legally owe due to a breach of contract by XXXX. 

I received a collection notice from TekCollect for an alleged debt related to my XXXX treatment. However, XXXX failed to fulfill their contractual obligations as my treatment was both incomplete and ineffective. As a result, I disputed the debt directly with TekCollect via email, requesting debt validation and providing a copy of my agreement as evidence. 

Under the Fair Debt Collection Practices Act ( FDCPA ), TekCollect was required to cease collection efforts until the debt was validated. However, they failed to provide proper validation within the required XXXX period and continued collection efforts. This constitutes a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Account {$54.00} XXXX XXXX XXXX Account {$170.00} XXXX XXXX XXXX  Account {$110.00} XXXX & XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. XXXX and TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Throughout 2020, I contacted Capital One, asking for relief for credit cards due to covid-19 impact, loss of income, and unemployment. The misinformation, inconsistency, and incompetency has now resulted in my account being charged off, after I had set up payment arrangements in XXXX, for a 3 month period. Now I have XXXX XXXX contacting me, threatening court, additional charges, and accusing me of ignoring their calls. I am a XXXX XXXX owner and was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has been working 10-15+ hour shifts, driving over an hour to work. Can someone help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX XXXX XXXX Not Proven Compliant Account -- > XXXX
Product: Mortgage

I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX I XXXX writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : ITEMS XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX ACCURATE OR THE INFORMATION MUST BE UPDATED. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I had an account with Citi Bank. Around 2017 I received email notification to fill out a form if I was erroneously enrolled in a credit protection plan without my authorization. 
I filled out the form and submitted it electronically via the link provided by Citi Bank in the email. FYI - I no longer have a City Bank account. 


Earlier this year I received a letter ( attached ) from Citi Bank claiming that a check was not cashed. I did not receive the check that was allegedly sent to my condo. I filled out the new form provided by Citi Bank, advising where the check should be resent. 
I have not received any further information from Citi Bank. I know at least one other entity ( XXXX XXXX XXXX ) that received the same letter from Citi Bank, then followed the instructions and did not hear back. 


Calls to the number provided on the City Bank letter have proved futile as the customer service agents have no knowledge of the matter and/or the letter.