23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I've been paying Sallie Mae/Navient for private student loans since XXXX. I am the co-signor to my sons loans and have authorization on the accounts w/Navient. We have constantly struggled to make the payments with some having as much as 17 % interest rate, constantly having to go into a rate reduction program that only added the debt to the back of the loan, with penalties and interest. We ask for consolidation or permanent rate reduction, IDR and we were told we did not qualify for any assistance. Navient has never tried to help us be successful in managing our loans. Each year of paying {$12000.00}. or more in payments my total balance continued to increase year after year. The burden to make the payments has become impossible for us and I notified Navient out of desperation I was going to request a hardship and withdraw my 401K retirement in order to pay off my son 's student loans. At that time XXXX of XX/XX/XXXX I owed approx. XXXX. I have requested and received my retirement funds, ( XX/XX/XXXX ) I immediately contacted Navient and my balance now 2-months later is approx. {$100000.00}, due to past due and late fees over {$300000.00}. I explained I had gotten all the money I had and ask them to accept the {$100000.00}. They said they could approve a settlement amount of {$100000.00}, which I was very thankful for until they told me my son and I would have to complete a credit disclosure and that it would be reported on both our credit reports that we settled for less than the amount due and that it could affect our credit for the next 7-years. I told them I felt a settlement was an agreed amount amongst all parties and should show paid in full and nothing else. I've paid them so much more over the years and now when I'm trying to pay them with all the money I have for retirement these people still want to punish and hurt our credit. Defaults are at an all time high, banks are going broke everyday our country is in the worst shape it has been in 50 years and this is a good example of why it is. I'm offering to pay more than what they offered to settle, and they still want to hurt our credit. I would have been just as well to have filed bankruptcy if this is the case. I know they have authority to settle without doing damage. This is just another example of how Navient treats their customers and how difficult they want to make it for you to get out of debt. This is just wrong and people with private student loans don't have anyone in their corner to help. If I can tell consumers anything about student loans I would tell them to never take out private loans and never borrow from Navient.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX 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.

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!

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: Checking or savings account

I have a account with Chime as authorized signer of account/owner, I have disputed items that were unauthorized and requested refund either to not receive it to only receive partial, I reported unauthorized transactions only to be locked out of my account which was supposedly for only 48 hrs, ended up a week before any access, and same day I gained access account was again placed on hold with out my express written consent, their power of attorney has been revoked, My account is currently still on hold asking for same information provided 3'xs in less then 3 days, this my Final notice : acquiescence means and agreement, My intent is to sue should this go unresolved past the 1 day notice I am giving Fees : XXXX every hour locked out of account XXXX for every currency not replaced that are fdic insured XXXX for any contact unrelated to resolving this matter XXXX for use of my private information without my express written consent XXXX for delay in providing information needed, such as who is signer on account? who has without my consent signed to be power of attorney on account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I filed a dispute about late payments and statements on my credit reports. The dispute led to the company updating the information they were reporting in XXXX of XXXX. I have copies of the updated reports with a statement from the company that states they have updated their reporting in response to the dispute. 

However, the updates made by the company didn't come with any documentation or proof that would lend transparency to an investigation. Further, when making the updates, the company 's reporting conflicts from XXXX report to the other. ( For example, XX/XX/XXXX states " Unknown History '' on report A, states " XXXX  days Late '' on report B, and states " XXXX  days Late on report C ). Lastly, to add insult to injury, after being confronted with my first CFPB complaint and responding, " there was nothing to see here ... '', the company reported a correction/ update with XXXX trying to make their overall report more cohesive. This is some XXXX  days later, and still, absent any documentation to support the reporting. 

XXXX documents are included : XXXX. Shows statement of update and thus an acknowledgment of dispute in XX/XX/XXXX XXXX. Shows conflict from XXXX report to the other ( exp : XX/XX/XXXX history & XX/XX/XXXX Date of XXXX delinquency ) XXXX. Shows an attempt to update within the last week ( after the fact )
Product: Credit card

Dear Sir/Madam, I have been experiencing issues with Capital One credit card. The company does not honor its obligations and every time when I use this card ( mainly as a hotel refundable deposit ) company charges me always instead. I provide all the required info, record the conversation with hotel rep and finally open a claim but nothing helps. 

The most recent transaction happened a couple weeks ago ( refundable deposit was charged again by this company ). 

Also, this company opened another account ( I did not authorize and without my knowledge or consent ) on my behalf recently. 

I keep having issues with this bank and would like to part with them but it seems like they create such issues on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I first purchased a car with low credit score I paid on that car every month on time for a year the company that sold it to me knew there was something wrong with it and sold it to me anyways well that company owns the finance company who gave me a high interest rate when the car was totaled because of the problems my insurance and the gap insurance paid off the vehicle plus the money I have been paying every month in total I paid too much because if the car was paid off three years early why did I pay the full amount of the whole term why didnt I get my tax title license why did XXXX get my packages that I purchased for the car back nothing I received nothing so they got paid too much money I receive nothing then I get another car from them with no money down because the first one was totaled they never ran my credit they just gave me two point better score than the first time the first car it was at 21 % interest second car 19 percent interest So originally I was XXXX Everything said and done XXXX when everything said and done at the end of the term Im gon na be paying {$35000.00} for a car thats worth {$4000.00} right now bluebook but they wont fix the interest rate even though they didnt run my credit even though my score was 150 points better than the previous vehicle I dont feel like thats fair I think is unjust and its probably breaking several violations and laws The car was purchased to XXXX XXXX  which is the sister company of Bridgecrest which I believe owns the gap insurance company all are owned I believe is the ugly duckling corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX 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/2022 XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022 & XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account - XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX # 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: Credit card or prepaid card

On XX/XX/22 I purchased a " XXXX XXXX '' office chair for {$250.00} on my Bank of America credit card. It was to be delivered within a week. On XX/XX/22 I still had not received it. The phone for the company did not answer. I asked the company to refund my money and when I did not get a reply to my email, I put in a Dispute with Bank of America. A few day later the chair arrived but when I opened the box the chair was in pieces, without any instructions as to how to put it together and obvious pieces missing. It also looked like it was used, it had dirty, scuffed wheels. It also turned out to be a fake/knock off XXXX XXXX XXXX XXXX I called & emailed the company and after many correspondence they sent a return authorization. On XX/XX/22 XXXX picked it up and delivered it on XX/XX/22 XXXX according to the Proof of Delivery.

I asked the company to refund the money but they didn't I called Bank of America, spoke with a representative and told her what happened and she told me that since I already disputed it and that I already received a credit. Today I received a letter from Bank of America saying that they are reversing the credit stating " We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. We received information or documentation to support that the merchandise was available, or shipped to the agreed upon location. '' I tried to Dispute it again on line, but it is not possible. I called and spoke with a representative and she said she could not help and to do it online. There is no way to send a message online to Bank of America & no way to dispute it online again.
Product: Credit reporting or other personal consumer reports

Please properly invesitgate this account. This account must belong to someone else or similar to my name XXXX XXXX  XXXX # XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help
Product: Credit reporting or other personal consumer reports

Beginning on or around XX/XX/year>, I notified XXXX of inaccurate and illegal reporting. The company responded without addressing my requests.
Product: Debt collection

Ability Recovery Services I am writing to formally address a concerning matter regarding my credit report that involves your company, Ability Recovery Services. My name is XXXX XXXX, and I have recently discovered inaccurate information on my credit report, which I believe has been reported falsely by your organization. 

Upon discovering this discrepancy, I promptly contacted your company via [ method of contact, such as phone or email ] to dispute the erroneous information. However, it has now been over 30 days since my initial contact, and I have yet to receive any response or acknowledgment from your end. 

This misinformation on my credit report not only goes against the Fair Credit Reporting Act, which mandates accurate reporting of consumer credit information, but it also has the potential to adversely impact my financial standing. As a consumer, I have the right to expect timely and accurate responses when disputing such matters. 

Therefore, I kindly request that Ability Recovery Services investigate this matter promptly and provide me with a written explanation of the steps taken to rectify the inaccurate information on my credit report. Additionally, I expect confirmation that any negative reporting related to this dispute will be corrected or removed from my credit profile. 

Please respond to this letter within 30 days from the date of receipt to acknowledge receipt and outline your plan of action. Should I not receive a satisfactory response within this timeframe, I will not hesitate to escalate this issue to relevant consumer protection agencies and seek legal counsel to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

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

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

15 U.S. Code XXXX  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 then XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Debt collection

This account was removed and then re added back to credit. I dispute due to identity theft and was threatened with it showing bad on my report. Account is now closed and still report with excessive late payments
Product: Credit reporting

I had been receiving alerts via XXXX regarding " short term '' loan inquiries. As directed by XXXX I had requested my consumer reports via XXXX and XXXX. Nothing unusual on my XXXX report. My XXXX report was a different story. I have XXXX inquiries made through Clarity Services via multiple PayDay Loan Lenders including, XXXX XXXX running under the name of XXXX / XXXX / XXXX ( TWICE ), XXXX / XXXX, XXXX, XXXX, XXXX. Then there is XXXX company not listed at this time and that is XXXX in which they send me a email requesting more information for a loan I had not applied for. I called them and told them they had better not issue any loans in my name for any reason. What I had discovered during my conversation with XXXX was that the applications are coming over with an old address and phone number. I have attached a copy of the XXXX report. I believe that Clarity Services is negligent in their practices by not requiring that the companies requesting credit checks provide appropriate documentation ( i.e. Identification ) prior to releasing information.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, XXXX XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX XXXX, Experian, and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states. '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am immediately opting out of these reporting services.

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Trans Union credit agency ( on hold/no answer ) on XX/XX/XXXX to have 3 credit inquiries removed from my credit. I have had a credit freeze on my credit report since XX/XX/2020. They said they could not be removed.

1. XXXXT otal
Visa Inquiry Date : XX/XX/2020 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2020 3. XXXX XXXX XXXX Inquiry Date : XX/XX/2020
Product: Credit reporting

So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, Equifax and XXXX are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my XXXX how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been XXXX XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from XXXX and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both Equifax and XXXX response. Especially XXXX, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''