23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

BBVA- Compass bank offered a secured credit card and i deposited XXXX into a savings account only making XXXX available to the card. However i kept the card for almost 2 years never missing a payment and then out of nowhere i tried to login to my account and discovered the card had been closed. Left on auto pay to still take payments from my bank without me being able to stop it and or charging me interest on a account i did not opt or receive notice that it was being closed or why with perfect payment history and its my money!!! long story short the account has been closed since last year i don't want this auto draft i just want a check of my money owed to me period point blank. The account has been closed without my notice send me my money and end this business because i never did business with anyone as such and still bill me and its secured by my funds. Doesn't make sense at all to do this. I want a refund of my available credit and close it out completely there has been no activity since last year because we bought our home so spending on cards were out. you can't charge me for a account i put money on and you all closed and still have it on auto pay and collecting interest what a scam!!!
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 item 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

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.
Product: Debt collection

Per FCRA and 15 U.S.C. 6802, as a federally protected consumer I am exercising my right expeditiously and opting out of ANY and ALL authorization, I the consumer may have given you : written, unwritten, verbal, and nonverbal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to the best service company because the credit bureaus said that they verified the debt they are reporting on my credit report is correct. The letter basically requested a copy of the contract that I apparently signed with them along with other pertinent documents to prove that they have a right to report to the 3 major credit reporting agencies. 

As of today I did not receive any correspondence from them. 

I have attach a copy of the letter mailed to them along with the certified mail reciept
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX 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 my account without written instructions.
Product: Debt collection

On XX/XX/XXXX, I was contacted at my place of work by XXXX XXXX of National Service Bureau. After I indicated that I was the person he was looking for, I told him twice to never contact me at that number again and disconnected the call. Immediately thereafter, XXXX XXXX called my work number again to " verify my employment '' with one of my coworkers. This is absurd since he just finished speaking to me at the very same number. Also, he asked my coworker to give me a message to contact him and left his phone number. Since then, XXXX XXXX called me at my place of work again on XX/XX/XXXX to inform me that he could in fact call me at work. I again instructed him not to ever call me at work again. This is a violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XXXX XXXX XXXX remove inquiry XXXX XXXX XXXX remove inquiry XXXX  XXXX Dealer XXXX remove XXXX XXXX XXXXXXXX XXXXXXXX remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Third complaint against TU as they still have not resolved the issue. In XX/XX/2018 a lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXX and the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account. In the response to the last complaint TU said they would take steps to insure this was not reported in error again, but that apparently has not happened.
Product: Credit card or prepaid card

XX/XX/XXXX I received an unsolicited Debit Card issued by XXXX/MoneyLion XX/XX/XXXX I used the online chat system from the website and ultimately called customer service to ask why the card was sent. The representatives asked for every possible piece of personal identification, from Social Security number to date of birth, all contact information from address to email and phone. Then they confirmed 2 accounts were opened using my information BUT they refused to give me any information on how they were opened, when, or by whom. They insisted that I would have to submit an affidavit to their fraud department in order to open an investigation and that it would be mailed to me. Then before I could request any additional information they said a hasty goodbye and hung up on me. 

**The phone number in the letter they sent with the card was a non-working number.
Product: Vehicle loan or lease

On XX/XX/XXXX my son had found a car through XXXX XXXX. It was a XXXX XXXX XXXX. He wasnt able to qualify for a loan on his own so I got the loan in my name. We inquired about the vehicle and had a few email exchanges. The XXXX XXXX salesperson had emailed over the finance terms to us! The interest rates alone would cost almost double what the car was worth in the end. We informed XXXX the terms were not good and we were going to pass. He emailed back saying because of my credit score the interest rates would be higher but the good news is that with the lender Bridgecrest which is also XXXX XXXX, if we made on time payments for 6 months the company would give us better terms for the loan. Or I could refinance with a lender of my choosing! In the end we thought 6 months wasnt that long and agreed. The car they sold us was defective. Within 35 days of owning it, the car was disabled and required {$4300.00} out of pocket to get working again! XXXX XXXX refereed us to the warranty we purchased and they didnt cover the repairs! Since XX/XX/XXXX the total out of pocket cost for repairs to keep this car running has been {$11000.00}. None of the repairs were covered by the warranty and it was a total of 5 times I was without my car for over a month! This past time it was being serviced for 3 months! XXXX XXXX passes the buck and offer no real solution! The repairs on the car have been major repairs that affected the safety of the car. To think a warranty wouldnt cover it is insane and a representative from XXXXXXXX XXXX told me in her exact words we dont pull out and check every nut and bolt given the safety of the car with the Suspension and engine, they should check it. XXXX XXXX refused to take the car back because it was over the return time and Bridgecrest says I could voluntarily surrender it, but I would be responsible for the balance left over on the loan! So Im sold a defective car, and I should ruin my credit to get out of it and they take no accountability! Thats my options. The car is worth {$8300.00} XXXX XXXX XXXX XXXX and Ive paid that much already in payments! But having to pay {$11000.00} Ive fallen behind on the payments! Hoping given all the circumstances they would work with me on the Payments but they didnt and they put my car in for repossession. Bridgecrest is a predatory lender! For two reasons! When the 6 month mark hit with all on time payments! I reached out to Bridgecrest to negotiate the terms, and they told me they do not do that at all. I agreed to the loan because of deceptive practices by the dealership and two Ive paid {$8700.00} in payments {$370.00} in fees and I still owe {$17000.00} on the loan with interest still accumulating. They are trying to get 3x the value of the car from me. They wont help in any way with suspension of payments, no one will refinance the loan because the loan to value ratio is so high. They need to be held accountable for what they do.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted the credit reporting agencies ( transunion, XXXX, and XXXX ) I also connected the creditors directly ( XXXX  XXXX and XXXX XXXX ) I left them know about the inaccurate items on my report. I did not request for the information to be investigated I am asking for it to be deleted since no one has sent me any proof that the items were actually correct. If I was actually late when they reported I was then all of my reports should reflect the exact same information but since it is not. That is considered inaccurate and unfair reporting the information should be deleted since no one has been able to send proof of a notice stating that I was late or that a late payment would be reported to my report. This is causing me great financial distress I would like the credit reporting agencies and the creditors to correct this situation so that my report maybe accurate and fair.
Product: Debt collection

I have received numerous phone calls and voicemails with robot-messages from different numbers. Over the past month, I have received calls and voicemails with the same robotic message about debt and legal proceedings, all from different phone numbers. In XX/XX/XXXX, I was called once on XX/XX/XXXX, twice on XX/XX/XXXX ( with two different numbers ) and once on XX/XX/XXXX. All of these were different numbers with the same message.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account XXXX XXXX # XXXX Has violated my right. 
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 Also that account was paid in full in XX/XX/
Product: Debt collection

I am writing to dispute the validity of the collection account associated with XXXX XXXX  on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in PA XXXX If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW  Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXXXX XXXX, XXXX ( 2 mos ) Account statusOpen XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW  Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on all 3 credit bureau 's XXXX XXXX XXXX 
I have disputed these alleged charges for years, due to identity theft, I attempted to file a police report in 2017 just to be told it's not a police matter it's a civil matter in which the report wasn't accepted at the time. The FCRA states my rights clearly being violated by this collection I am requesting termination an removal of this collection, immediately due to inaccurate reporting, anyone say send a bill saying you owe, but there's been no written Signature or contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. XXXX removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

When I graduated from XXXX  school in XX/XX/XXXX, I had accrued {$93000.00} in student loan debt ( combined federal and private, both serviced by Navient until XX/XX/XXXX, which is when my federal loans went to XXXX XXXX ). From XX/XX/XXXX to XX/XX/XXXX, I was a XXXX XXXX XXXX serving abroad. As XXXX  don't make money, I contacted Navient for help. They told me XXXX  aren't eligible for any kind of loan deferment, but I could go on an IBR plan that would be {$0.00} given my income of {$0.00}. I tried to do just that. I uploaded the proof of service to Navient 's website over and over again. I called them over and over again and they tell me the same thing : upload this public service form and everything will get sorted out. Finally, I figured out that I was egregiously behind on payments because of how long this was taking. I call them again and they tell me ( FINALLY ) that they actually need a pay stub to prove my current XXXX  service. I explain that XXXX  do not get pay stubs because we do not get paid. Period. They then told me my only option was forbearance. I went into forbearance for over two years. To give you an idea of the catastrophic damage this has done to my life, let me show you these numbers : I borrowed about {$93000.00}, I have since paid back over {$32000.00}, and now I currently owe over {$100000.00}. Navient put me in this hole on purpose. 

When I returned and got a job with the XXXX XXXX in XX/XX/XXXX, I had my federal loans go to XXXX XXXX, but my problems with Navient continue. My private loans are still serviced by them and they have been playing dirty business tactics. I submitted two payments to Navient in XX/XX/XXXX ( despite being a XXXX  XXXX XXXX   at the time ). I got confirmation emails that both payments were received. My online account on Navient 's website says both payments were received. It still says that right now. But today I got a call from Navient saying those payments didn't work and now I had late fees associated with it. This is dirty, dirty, dirty. I sent screenshots to Navient showing that my account with them says the payments went through, but they maintain that I should have figured out that their website is garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with XXXX, TransUnion and XXXX to remove the inaccurate personal information from my consumer report, but they keep reporting this on my consumer report. I have sent them certified letters for over 5 months and they are ignoring my efforts and this is unfair, illegal per the FCRA ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ) and IS VERY frustrating. The only personal information that should be reporting as accurate on my consumer report is as follows : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX MY DATE OF BIRTH IS : XX/XX/1991 I have informed them of this along with my identification card, current utility bills as well, and I have also let them know anything else that they are reporting is incorrect and to please remove it from my consumer report. If you need any type of documentation, I will be happy to provide it for you.
Product: Checking or savings account

I applied for a job that was remote. Had the interview and the next day I got hired. The company sent me a check to go buy supplies. I deposited the check and the next day, the funds were available. I then went out and purchased XXXX XXXXXXXX XXXX XXXX, a XXXX phone and XXXX gift cards totaling 1,000 dollars. 
I was then instructed to send the computers and phone to the companies vendor to have installations of programs downloaded. I did that and the next day, the check wouldnt clear. Im out XXXX. 
Because I deposited the check and then spent the money, the bank is holding me responsible. I showed them all information, police reports and receipts and they didnt care. 
I did receive an email from XXXX stating I answered a job application that was a scam, however, that went to my spam folder and the damage was already done. 
Now Im having to hire an attorney to try and keep my credit cleared of this. 
Huntington Bank was awful to me and just kept saying that Im responsible.
Product: Student loan

Navient continues to contact me and I assume other borrowers for repayment of federal student loans, despite the federal governement 's deferment of student loan payments and interest until XX/XX/2021. They are asking for payment during this time, despite knowing that it is not required of borrowers. In addition, when I have attempted to contact Navient by phone, their representatives are appearing to be unaware of the government 's deferment of student loan payments and interest. They have also told me that it is my responsibility to contact them to have payment and interest deferred until XXXX, which is false, as borrowers are NOT required to do anything to take advantage of this deferred period until XXXX.