23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I work as a XXXX XXXX and my contracts face sudden ends due to layoffs. Twice - between XX/XX/XXXX and XX/XX/XXXX - I was unemployed and called Navient regarding the law that the government had passed in XX/XX/XXXXregarding student loan repayments available based on income. This was important to me because, in the past, forbearance or deferment had always been my only option.

When I called in XX/XX/XXXX, the customer service rep in the XXXX said that repayment option was " not allowed '', despite the fact that I was not in default or any other situation that would have warranted that rule. He said Navient " does n't have that option available. '' He said my only options were forbearance or deferment and I ultimately had to choose deferment, because he said it was " cheaper. '' This is despite the fact that Navient had sent me generic " do not reply '' automated e-mails listing the other repayment options available, as mandated by the new law.

The customer service rep also did not send me the promised deferment documentation to my e-mail address so I could fill them out, although he said that he did. I have all the e-mails from them, dating back to XX/XX/XXXX in my XXXX XXXX account. By the time I got back in touch with them asking where the promised forms were, they had charged late fees on the account and additional interest accrued. They would not reverse the late fees but said I was supposed to go online to fill out the forms.

I felt they were very deceptive. I had a shouting match with them because I have come to find they are always deceptive. Navient has basically kept me in a loop on the repayment of this loan with continual forbearance and deferment for years. When people ask me why I still have a student loan, I tell them its because a ) I have no option but deferment or forbearance because Navient says I have no other options. b ) I have no options to refinance the loan with any other company because our government does not allow that. c ) The interest keeps accruing due to my work as an on and off XXXX XXXX and the loan continues to accrue interest.

I am a loop in XXXX with this loan that, considering my age and my mistake of returning back to school at a later age, will never be paid off until I am XXXX. To Navient, I am probably considered a good cash cow since my employment situation as a XXXX is on/off employment. For me, I can never make a dent in the balance because the payments are too high when I am unemployed and I have to defer, then I go back to work and the payments are higher, and it happens over and over again.

Over the years, XXXX XXXX and then Navient has never given me any other option except deferment or forbearance.
Product: Checking or savings account

The Fifth Third mobile banking app does not always show customers an accurate amount of available funds in their accounts after purchases and this causes customers to overdraft their accounts when they make more purchases or transfer funds between their accounts. 

I made an online purchase using one of my checking accounts and then transferred the remaining funds in that account to my credit card account but my checking account became overdrafted because the Fifth Third mobile banking app did not show me an accurate amount of funds available after my purchase. 

The Fifth Third mobile banking app is absolutely terrible and every other day or two customers are unable to login because of technical issues. Fifth Third bank needs to be ordered to shut down their mobile banking app completely and give customers back the money they was unfairly charged in overdraft fees because of banking errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX email : XXXX I have been trying to get the clear for 2 years now. My address, phone and email are above. Remove all addresses other than the XXXX listed, I have never lived in The areas of Delaware that you have reported. This is my life and my information I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. My one and only First and last name is XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for the last XXXX mths now. Update my identifiers. USING YOUR INDIVIDUAL WEBSITES DOes NOT WORK XXXX you cant even reset a password, does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply by written mail again. I have disputed the address both electronically and verbally over a phone call. I don't know these addresses, I don't live at this addresses, I don't recognize this addresses. I have also uploaded a fTC affidavit/ report. for the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
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 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 XXXX
Product: Debt collection

On XX/XX/XXXX I placed a call XXXX XXXX associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the XXXX XXXX contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX XXXX XXXX XXXX XXXX XXXX none of this was on my credit report for years why not even the Citibank card was not on my credit report cuz it was forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone o an account in my name BBY/CBNA I don't have an account with this company they open in XX/XX/2018
Product: Checking or savings account

On XXXX, I purchased a home alarm system from XXXX The product has been promised several times and I updated my address but no product and or contact regarding shipping. At this point I want my money back of {$350.00} I have reached out twice to the customer service but I have gotten false and broken promises of action to send money. The first the person XXXX hung up on me. This led me to rely on other options to receive my monies. As I do not believe and or like the ethics of their way of doing business.
Product: Bank account or service

Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.
Product: Debt collection

I continue to get calls about debt collection but it hav XXXX nothing to do with me. I dont owe any debt. I believe it is an attempt to collect my personal information.Scam calls
Product: Credit card

Pursuant to CapitolOne 's letter dated XX/XX/year>, I was instructed to call CapitolOne customer service. CapitolOne refused to change the address because they have not received a XXXX XXXX statement from an account that was used to make a payment on my CapitolOne account. As stated in my original complaint, I will never be able to meet CapitolOne 's obsessive desire to get bank statements from a bank that I have never heard of, and where I have never had an account.
Product: Credit reporting or other personal consumer reports

My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX  BAL- {$14000.00}, Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bal- {$250.00}, Date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bal- {$94.00} XXXX Date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bal- {$3900.00}, Date opened XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXX  , Bal- {$4300.00}, Date opened : XXXX XXXX Dept of Education/XXXX XXXX XXXX  Bal- {$2000.00}, Date opened : XXXX XXXX, XXXX Dept of Education/XXXX XXXX XXXX XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXX Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX , Bal- {$3600.00}, Date opened : XXXX XXXX Dept of Education/XXXX XXXX XXXX, Bal- {$6800.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX XXXXXXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XXXX XXXX XXXX , Bal- {$960.00}, Date opened : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from Capital One stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called Capital One in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from Capital One stating that I wished to change my billing preferences. I would like Capital One to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that Capital One should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX there were XXXX hard inquiries on Equifax. 

I called Equifax. The XXXX hard inquiries were related to my victorias secret master card. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called Equifax back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through XXXX XXXX XXXX was for this number : XXXX and to contact them I call back XXXX XXXX to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between Equifax and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with XXXX, is on the equifax report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that Equifax and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX Collection/Charge Off : XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} Late Payment : XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have XXXX  XXXX XXXX and am unable to read my Wells Fargo auto loan statements. I changed my telephone number last year and Wells Fargo did not have my new number. I was unaware that I was two payments late in my auto loan until a repo man knocked on My door and towed my car off. I immediately called Wells Fargo to update my telephone and attempt to make payment. Throughout several days of calls I explained my situation and requested that my case not be reported to the credit agencies I paid the fees and got back my car after two days but Wells Fargo said they were unable to help with the credit reporting issue. I believe their repo process is predatory
Product: Credit reporting or other personal consumer reports

requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX  has removed this debt on the basis that XXXX XXXX XXXX is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. Requests were on XXXX XXXX XXXX XXXX XXXX XXXX refuses to acknowledge my disputes at all. Equifax keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here XXXX XXXX XXXX  has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. XXXX  and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting to Equifax ; XXXX and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

LVNV funding is reporting these two collection accounts on my credit file. Even though they have closed the accounts and deleted my payment arrangements. I am providing proof in this screen shot. It's because I'm white that they are illegally still reporting this to my credit report every month. They can't continue to report these accounts if they have closed them. They were being dishonest in their last reply and they keep on lying like most collection agencies do.
Product: Debt collection

This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Debt collection

The debt collector was informed multiple times this is not my debt via phone and certified mail with signed return receipt. They continue to call and harass me after repeated phone requests and requested via certified mail to stop calling me about this debt. They have failed to verify or validate this debt, they call outside of appropriate hours, they call family and friends, they leave voicemail. This is not my debt, has never been my debt and I want it to stop. I need help. I am filing multiple complaints with the FTC and my States Attorney General regarding this harassment by a negligent, rogue debt collector disregarding the law to collect monies not owed to them.
Product: Credit reporting

A Collection agency has pulled XXXX hard inquery on my Experian credit report with out my permission and for no legal permisable reason I have contacted them and had no coperation I would like to have them send me a letter just saying i did not authorize them to get a copy of my credit report. I have talked to experian and they recommended i file a complaint Thank you XXXX XXXX the compants name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX