23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient will not release my co-signers. I have been paying them myself. They claim my payments are late and they cant be! They are issued by automatic withdrawal. First they said I need to pay 15 months and when I applied to release my co signers they said I only needed 12 months of payments. They still refused to release my co-signers. They are never consistent. They always get the wrong amount that I owe and call harassing my co-signers and me even when I have paid on time. My co-signers have complained and have I but nothing changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2021 XXXX  and equifax received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, equifax and XXXX are still reporting harmful information that has been proven to be unverified from the furnisher.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a freeze on the Experian, XXXX  and XXXX and I am trying to remove them because I wish to apply for credit. 

It is ABSOLUTELY impossible to contact anyone by phone at Experian. I have tried for two days without success. I have gone through a myriad of choices on their automated phone center, without success.

If I could I would have nothing to do with Experian, however, since I don't have a choice than I feel that they should provide some way to contact them other than US Mail.

They offer no live chat, no email and no Live phone contact alternative. Every single option on their automated response fails to provide access to a LIVE representative and the options on their automated response fail to provide any effective relief.

Experian is the only one of the three bureau that refuses to provide the minimum of help in resolving any issues. I can not access my free profile to review my accounts, to place a freeze, to remove a freeze or to dispute an issue with a creditor. 

Their complete indifference to the public is tantamount to neglect and has or will have deleterious effects on my credit records and the credit records of the public at large. 

Despite the multiple phone number they provide, none of them will allow you to access a live representative in order to resolve issues that their automated service can not. 

This is a detriment to the public good and well being and Experian should be instructed to provide suitable live representative to address serious issues. 

You can't complain to Experian because they refuse to accept phone calls, emails, faxes or live chat. 

This is an impossible situation that I hope your organization will correct immediately
Product: Credit reporting or other personal consumer reports

I was checking my credit and I notice some inquires I didn't recognize. They are as followed, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Exeter Finance Llc/XXXX XXXX I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting or other personal consumer reports

For several months now, I have been trying to get my correct credit score fixed by Experian on the my XXXX account profile. I had a XXXX Credit card that I paid off but left the account open. With this XXXX account, there is also a feature called XXXX XXXX, which monitors your credit report. According to XXXX XXXX, my score, which has been provided to them by Experian, shows it to be XXXX. But, yet when I log into my Experian account, it shows my score to be XXXX. I have contacted XXXX and they referred me to Experian. I contacted Experian and this is what they told me : Bot response I understand you want to know why your credit score is showing lower on the XXXX XXXX XXXX compared to your Experian account. To provide you with the most accurate and up-to-date information, I'll check your credit score details from Experian. 

Please hold on for a moment while I retrieve this information. 


Experian XXXX XXXX GOOD XXXX No change as of XX/XX/year> See cards matched to your credit Your Experian credit score is XXXX, which is considered a good score. The difference in scores between XXXX XXXX XXXX and Experian can be due to the following reasons : Different Scoring Models : XXXX XXXX XXXX might use a different scoring model than Experian. For example, XXXX might use XXXX, while Experian uses FICO Score XXXX. 
Data Reporting Differences : The information reported to each credit bureau can vary. Some lenders may report to one bureau and not the others, leading to differences in the data each bureau has.

If you have any specific concerns or need further assistance, feel free to ask!

How is that even possible for the same agency to be reporting 2 different credit scores. Everytime I apply for credit I am told that my score of XXXX is poor so I either get turned down or have to pay a higher interest rate due to the poor score. 
I don't know what else to do to get this fixed and am hoping you can assist me with this.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED 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

Since XX/XX/XXXX several negotiable instruments endorsed per to bills of exchange act, UCC 1-314, 1-308, 1-306, 1-603, 3-416 12 usc 411, 18 usc 8 and hjr 192 along with several others, have been sent totaling over {$9000.00} between two accounts. To discover financial services. Ending in XXXX and XXXX. However PAYMENT was accepted, never returned nor credited. PAYMENT is not defined in the contracts or terms of conditions in discovers and agents refuse to define it. I have told them repeatedly that they may either return my endorsed instruments or credit my account. They refuse to do both. I have reported several billing errors disputes as well as provided instructions and they refuse to acknowledge my billing error disputes, apply credit, and attempt to mark payments as late.
Product: Credit reporting or other personal consumer reports

I have requested that false information be removed from my report back In XXXX and nothing has ever happened. 
I have submitted documents showing I never lived at address shown and then they have addresses shown from XXXX XXXX ago when I was a child.
Product: Credit card or prepaid card

False and misleading, denial of Credit Title 15 1611 On XX/XX/2013 at XXXX I submitted my information for a line of credit with Citi Bank. After submitting my information, the application was denied. 

I received Notice from my Credit report that Citi Bank in fact pulled my Report. 

I tried contacting the Underwriter, and was unsuccessful
Product: Debt collection

I have a joint loan for cookware with my now ex-husband and the company TIC or Time Investment Company who funded the loan calls me multiple times a day all hours especially right before XXXX. I have already informed them I was going through a divorce and the divorce decree states that he is responsible for half and they insist that I must make a payment and when I say I don't have the money as I have not received XXXX XXXX and have had to take on all of the household expenses and all they say is well shy can't you make the payment today when I already told them that I do not have the money right now but I will take care of it. I have also asked them to stop calling and they refuse and tell me that the calls will continue.
Product: Credit reporting or other personal consumer reports

These accounts are reporting fraudulently. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for car loan online and 10 companies did hard inquiry without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of XXXX Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late XXXX XXXX, XXXX in XXXX, XXXX ( blank ) then XXXX 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All XXXX ( XXXX, Experian and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. XXXX XXXX XXXX XXXX  Account Number
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S.C. 1692c ( c ), I need proof of authorization, verify that this constitutes a legitimate credit transaction and valid photo identification linking me to this alleged debt.

I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) an
d the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated third party. 

Fraud Accounts : XXXX XXXX : Balance : {$2600.00} : It is XXXX  when Fraud Begun. 
XXXX XXXX XXXX : Balance : {$51000.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$730.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX XXXX XXXX XXXX Resources : Balance : {$230.00} : Fraud Begun : XX/XX/XXXX Unauthorized Hard Inquiries are : 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), you are legally required to block and delete fraudulent information upon receipt of a valid identity theft report, which I have provided on multiple occasions. Your failure to take corrective action violates federal protections outlined in the Identity Theft and Assumption Deterrence Act, as well as state consumer protection laws
Product: Credit reporting or other personal consumer reports

This ( XXXX ) XXXX Account XXXX that is reporting on all XXXX credit bureaus is inaccurate, I requested an investigation with all XXXX bureaus, and the account came back as " verified as reported '' the first time. I asked for a re-investigation as it is inaccurate, or removal from my report. I asked for a copy of the XXXX as well from all parties. This is also XXXX XXXX XXXX IRS from XXXX. XXXX came back on XXXX dispute within XXXX hours came back as " updated. '' XXXX says " remains '' same with TransUnion. I stated it should reflect a XXXX $ balance and because they charged it off how are they reporting month after month when it is a closed account!? It should be charged off XXXX time. This is a violation of my rights under FCRA with the furnisher 's allowing it! 15 U.S.C. 1681 states they should have to pay me {$1000.00} for them causing me damages on my Credit Report and still not fixing the inaccuracy after several disputes of me telling them the account is reporting inaccurate information!
Product: Credit reporting or other personal consumer reports

bank america XX/XX/XXXX account # XXXX They decided to close my account with a line of credit of {$3600.00} just because? I asked them, why was my account late? I told them about what happened to me with the pandemic of, XXXX and what they did was close my account and with valance but it is already paid and they refused to help me with the late payments
Product: Debt collection

On XX/XX/2023, I was given three calls from number XXXX. I did not answer any of them, as I was busy working and paying attention to my work phone ( as opposed to my personal phone ). They came in at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I returned the missed calls at XXXXXXXX XXXX  on the same day. A woman answered, who was nice, but she had very slurred pronunciation as if she was intoxicated. I acknowledged that I was in fact, XXXX XXXX ( the person that they were looking for ) ; she told me that she " didn't mean '' to call so many times. I was transferred to another woman, who began by politely asking me how exactly my debt came-to-be. I explained that I was laid off and that CreditFresh was one of the very few loaners of mine that didn't offer any kind of debt relief program for individuals suffering a layoff, and that I wasn't aware that the loan had gone into default ( it turns out that I had made payments after the official default date but was never made aware of the default on the websites homepage for my username ). I further explained that it obviously snowballed because of this, followed by me explaining that I was happy to set up a payment plan to resolve it. She continued by asking, " When do you get paid next? '' I responded and politely said that it wasn't information that I was willing to disclose. She asked me to repeat, so I told her again that it wasn't information that I was willing to disclose. She tried to intimidate and gaslight me by saying, " You don't want to tell me when you get paid next ( or something very similar to this )? '' I said, " No, and I find it extremely sketchy that you're asking. '' She replied, " You think it's sketchy that I'm asking when you get paid next? '' I said, " Yes, that is not your business and you should only be concerned about me making monthly payments on time. '' She began to argue, and I ignored it and interrupted her by saying something very similar to, " Listen, lets " do this. Moving forward, if you want to talk with me, email me. '' She responded by saying that that's not the way her company works. I then explained that they needed to because it's a legality issue and she needs to abide by it. She argued a bit more, and I continued to tell her the same thing. Eventually, I told her not to call my number again, and if she did, I would report her every, single time. Since, I've been getting calls from many random numbers ( XXXX, XXXX [ multiple calls ], XXXX, XXXX, XXXX, XXXX [ which I received twice in one day ], XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ). I'm not sure if it's them or not. Even if it isn't, her demeanor took an illegal tone and she acted as if she didn't even know who the FTC is, even when I told her on the phone ( after explaining that I believed her to be sketchy ) that I would be reporting everything that she was saying to me. This was a cruel, unfair, and illegal tactic on her behalf, and I am happy to have a conference call with the CFPB and this individual/company should the opportunity be presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize.

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. 

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 Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX  and the Office of the Atty General.
Product: Credit card or prepaid card

I started receiving Unemployment from Pennsylvania and they issued me a reliacard. I recently moved with my grandmother to Texas and changed the address for my card to be sent. Due to changing my address a lock was placed on my account and my card was made inactive until I verified my identity by sending in my ID my grandmothers ID and a later stating I live with her. I faxed the documents on the XXXX and the XXXX and was told both times the documents were to dark. I faxed them again on the XXXX and they were cleared and re I ever on the XXXX. I was told to wait five buisness days for them to unlock my card and it would be ready to use. It has been over five days and my card is still picked and every time I have called to speak to a representative or supervisor they have just given me the run around and made excuse after excuse. My bills are now past due almost two months and they cant give me a date when it will be unlocked or what further steps if any need to be taken. I have over XXXX dollars that Im not able to access and its very frustrating. Attached below are the two ids I sent I also sent a letter stating I have permission accept mail at my grandmothers house. These are the documents they told me to send in and that they received.
Product: Prepaid card

While the glitch with the rushcard system updated was taking place, I had my gas and electricity service disconnected and was served a 5 day notice to pay or quit at my current residence ... ... The customer service during this phase was horrible and I was almost terminated from employment due to attendance issues while.I.tried to contact different agencies and friends/ family to assist with XXXX worth of bills ... .... Once the glitch was " fixed '' I still had problems accessing my funds and to this day I have yet to receive a XXXX $ deposit that was supposed to take.place during the glitch ... ..they have given me the run around and keep telling me that it may take up to 90 days to resolve but that time has come and gone ... ... .. The customer service is horrible and everyone sounds like a broken record with the same response ... .. Its like I have no recourse for my missing funds and no one seems to genuinely care, yes this card was designed to help low income families but they are essentially more of a problem then a help, every time I call they thank me for being a cardholder since XXXX but that really does nothing for me when they Dont care about my missing money
Product: Debt collection

I started receiving letters, emails, and calls from this creditor in regard to a debt that they claimed I owe. After facing financial hardships, I was unable to keep up with credit card bills. Soon after, my accounts were closed and I was denied access to see any information regarding the account. I had no way to validate the accuracy of the information that this institution claimed I owed. 

On XX/XX/year> I sent Capital One Financial Corporation, also known as " Capital One '', a debt validation letter requesting evidence of contracts, billing statements, plus any securities generated behind the scenes, tax benefits taken, charge offs ( which are income ), and discounts in selling the alleged debt. 

Capital One did not respond. On XX/XX/year>, I sent them a Notice of Fault and Opportunity to Cure to try to resolve the matter. 

Capital One did not respond. On XX/XX/year>, I sent a Notice of Default letter. I have not received any of the information that Ive requested. 

Due to the invalidation and unlawful collection of this debt, they have caused harm and injury to me, constituting violations of the Fair Debt Collection Practices Act ( FDCPA ) and warranting damages of at least {$1000.00}.
Product: Debt collection

Central Financial ControlXXXX XXXX XXXX XXXX, XXXX, CA XXXX NUMBER : XXXXXX/XX/XXXX Toll Free : Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Central Financial Control or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Central Financial Control or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

So many overdrafts and money come in every month I'm on fixed income and I'm XXXX unable to work so fees come in and posted to my account and eat up all my bill money and food I am a XXXX XXXX  of XXXX and my XXXXXXXX XXXX XXXX  I can't afford and I been with them XXXX and just last XXXX  years fees been outrages
Product: Mortgage

Almost 3 months ago I was made aware that my mortgage company ( PHH ) had missed one of my tax payments. On top of this they miscalculated my property taxes and increased my escrow payment by half a grand. I have been working with them since XXXX to adjust my taxes, reimburse me for the amount in my account that doesnt need to be there, and lower my monthly payment. 

I can no longer afford an additional {$1000.00} on top of my mortgage payment monthly. However now I face this hitting my credit score if I pay them for my loan amount and nothing more. Another tax payment is due on XX/XX/XXXX and I am not even sure they will pay this on time because it is not showing up as an upcoming payment on my account. At this rate they are bleeding my bank account dry and I am forced to continue depositing into an account that collects no interest in a fear the my credit score will be hurt.