23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has violated the Fair Credit and Reporting Act by continued aggressive collection activities and harassing calls even after I submitted a formal debt dispute letter. After they received the letter they did n't respond addressing the required area and just sent me the promissory notes for my XXXX loans. The dispute is around the material change in loan terms, their ability to collect the debt, and even validating they own the debt. 

They did not adequately address the dispute letter and are in violated federal law by continued collections.
Product: Credit reporting or other personal consumer reports

This is my complaint to BMW FINANCIAL SERVICES for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   Convergent Outsourcing XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Checking or savings account

This is a follow up on CFPB cases XXXX, XXXX, XXXX. 

The cases I opened have been closed without addressing root cause. 

I requested stop payment on checks returned by XXXX directly by postal mail instead of sending them to bank directly. 

They were not processed, but I rescheduled payment to XXXX that was processed without funds in my account. 

I transferred funds into my account at XXXX XXXX IST on XXXX XXXX as I am in XXXX now, but it wasnt credited yet by wellsfargo until XXXX XXXX 


Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your WELLS FARGO BANK NA checking account ending in XXXX in the amount of {$450.00} was processed on XX/XX/21. No further action is required on your part.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE RMEOVED IMMEDIATELY OFF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** and XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;
Product: Credit card

card was paid as part of a settlement. however, is still showing on my credit file and it is affecting my credit worthiness
Product: Debt collection

I received a letter from this debt collector that I owe a debt. There was no other data provided. This is a mistake
Product: Credit reporting or other personal consumer reports

I advised all three credit bureaus, experian, XXXX, and transunion, that collections were not mine and I had no recollection of accounts. I asked for them to provide proof that I signed documents with collection agencies on my credit report. No information was provided and 7 of my disputes are still on file. All three credit bureaus have record of my identity being stolen on file as well. I can only view XXXX dispute request. XXXX does not provide my dispute history and transunion only shows one. Ive filed multiple disputes with each company
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account on my Equifax report that does not belong to me. I have been trying to dispute information on my Equifax report for over a year. I successfully had the negative information removed from the other credit bureaus, but I have been unable to login to XXXX to dispute this information. I can log in to the regular Equifax.com website witch then redirects me to XXXX. The account does not belong to me and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In need of help with identity theft, I have someone one who open accounts in my name and charged account up to where the companies are calling me for payments and I didnt even open the accounts up, the balances go above 5,000, and the person who is doing this is trying to Open more accounts and putting inquiries on my credit, I have filed a petition for money owed and the person will not answer the door for the petition to be delivered
Product: Credit card

I was given a new phone number XXXX/XXXX/16 when I moved. 
New phone number : XXXX Immediately began receiving credit card co calling, Synchrony from XXXX XXXX XXXX. 
Tried to call them, ca n't talk to live person. They state on recording they are Walmart credit. Multiple calls received throughout the day. Pick up the phone unable to talk with a person. Calls for almost 3 weeks. Start at XXXX continue to XXXX.
Product: Credit reporting or other personal consumer reports

WHILE CHECKING MY MOST RECENT CREDIT REPORT, I NOTICED UNAUTHORIZED AND FRAUDULENT CREDIT INQUIRIES MADE BY THE FOLLOWING COMPANIES : XXXX XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UNVERIFIED INQUIRES MUST BE REMOVED. 

PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS.
Product: Checking or savings account

On XX/XX/XXXX U made a deposit in person at Bank Of America for XXXX. I received a receipt for availability on that day indicating i would get XXXX on XX/XX/XXXX and the rest on XX/XX/XXXX with the exception on XXXX i assumed would be available the next day. when i didnt get the XXXX the next day i checked my online account and noticed they extended the whole check and date to XX/XX/XXXX. I went back to the bank and ask why they said they couldnt give me an answer. I called they said the same thing. At the close of that day XX/XX/XXXX i see they conviently put a notice in saying they were holding because they received information it might be returned .. a blatant excuse and lie the bank it was written on had already verified the check. The fact that they issued a negative remark on my account was wrong!! I have made many large transaction to Bank of America by cash and XXXX large sums by checks. I have been a customer well over XXXX years. To be treated with disrespect like Im depositing fake checks is an insult. They didnt follow company protocol in regulations at all. Im suppose to receive a notice and reason when the hold is out on I didnt on XX/XX/XXXX they only added it because i called and complained. They didnt honor the receipt I was given at the time of my deposit. They accused me of fraud basically said my check would return. They place a false hold on my account.
Product: Credit reporting or other personal consumer reports

DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXX XXXX XXXX XXXX XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE CARE ACT PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID 19 DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE XXXX XXXX DURING XXXX XXXX PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I am sending you this complaint in hopes that you can assist me with getting TransUnion to report correct information on my credit report. I keep telling them I have no idea who opened the account with XXXX XXXX. I never signed any contract or agreed to conduct business with them. Please delete XXXX XXXX from my report and the following inquires XXXX XXXX XXXX XXXX. I keep contacting them and they give me the same excuse each time that it is being sent for review but the outcome is never deleted.
Product: Payday loan, title loan, or personal loan

I was unable to make payments due to financial hardship. Relocation that nearly made my family homeless. I asked if I could get a forbearance, and was denied. I was told that I HAD to pay a certain amount by the end of the month or I would owe more. Unable to pay my loans because of re-location complications and job loss, this company has now gone as far as harassing my parents even though they have asked for the calls to stop. Going further, the last debt collector who called my parents has used the names of people I used to associate with, including one I have a XXXX XXXX against for XXXX my child. Now, I am being threatened with a law suit and that they will call my daughters father who we have a XXXX XXXX  against!!! They also threatened to call family and other exes of mine that I can only assume they received information via the internet. Mind you, I had previously received a letter XX/XX/2017, stating that my debt was going into collections and now, this company calls people asking what vehicle I drive, where I work, and who I know, AFTER they were going to send my debt into collections. While I have not paid the whole amount, I have paid back more than I borrowed and none if it went to principle. It has all gone to interest. Seriously, striking fear into me by using my daughter 's fathers name. This man XXXX XXXX, XXXX my youngest daughter and XXXX my oldest daughter and they want to use his name while trying to get me to pay for my debt that I CAN NOT pay!!!!!! He wasn't even on the LOAN!!! I am beyond furious!!!!!!!!!! I have gone through enough XXXX while trying to keep my family afloat through all of the XXXX   we have gone through and I regret EVER using this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX abruptly stopped reporting to credit bureaus in XX/XX/XXXX. I use this card once a year and pay it off immediately, Ive had a XXXX balance since XX/XX/XXXX. As a result of their negligence, my credit score dropped in XX/XX/XXXX Showing I was 120 days late. I called and was told nothing can be done until I demanded to speak to a supervisor. The rep got angry but eventually transferred me. The supervisor said it would be fixed in 10 days and I got a letter from them admitting it. My score went back up. In XX/XX/XXXX they did the same exact thing showing I was 180 Days late. I called again and talked to 2 more people and got another admitting it but this time I was told It would take 90 days to fix. I disputed w credit agencies. In XXXX they did it again but went back 7 months. My credit score in falling rapidly. As a result I cant apply for a car loan for my business. I called again and they just shrugged their shoulders. I disputed it again with credit agencies who said my dispute was complete but it would take 45 days to fix. Im afraid XXXX will keep going back further and further claiming late payments. I have XXXX recourse. My business is suffering. My employees are suffering. Ive never been late with any payment and had a good credit score before this. XXXX refuses to help. This is the type of thing that causes financial ruin for responsible credit users. Even if I cancel this card I will get further penalized for having fewer cards. I filed with the XXXX  but I havent heard anything back. Please help.
Product: Vehicle loan or lease

My loan for chase jp morgan was originally XXXX with XXXX written off and XXXX due as of XX/XX/XXXX date opened XX/XX/XXXX i would like this to be removed due to countless attempts to resolve this before the repossessed it, they took my car when i was expecting with twins and had communicating that i had difficulty due to a prior job loss after opening the loan, they had rude representatives transferring me around to several departments and even reached out to their media source and considered the news channel as well after all of that stress because they sold my car for {$700.00} and now want XXXX when it was obvious based off my work history and the payment history and me trying to resolve with them based off what funds i couldv'e setup a payoff but wasn't allowed
Product: Credit card or prepaid card

I bought XXXX XXXX XXXX  prepaid XXXX  from XXXX in XXXX , XXXX  on XX/XX/2022 in the amount of {$50.00} each, and charged {$4.00} for each card. I sent XXXX of the cards, the one that I'm writing this complaint about, to a family member in XXXX. After activating the card, he went to use the card for the first time, and it said the balance was {$.00} ( XXXX cents ). After trying to look the card up on the XXXX XXXX website, it said the card was invalid and call customer service. After being told by XXXX, the initial rep on the phone that she needed my full name and information to look up the prepaid card, which has no name associated to it, and that she wouldn't take the rest of the card info and see what the problem with the card was, WITHOUT my full name and info, I conveyed my frustration of not wanting to give my full name until we found out why the card said invalid. She refused to continue, so I asked for a supervisor. The supervisor finally got on the line and started to help me. She took the card info, WITH only taking my first name and said the card had been used to make XXXX purchases at a computer store in XXXX  for {$43.00} and {$5.00}. They said they wouldn't file a dispute without intrusive personal information that is not necessary to the situation. As I was talking about me giving verbal permission on this call to start a dispute, since the calls recorded, the call was disconnected, they hung up on me. So here I am. They were NOT willing to help me without unnecessary personal information. They were rude. When I asked for a ref # or customer service ID #, she said there wasn't XXXX. I expressed disbelief that only a first name oh XXXX is my reference to the call for future conversations. She eventually pulled a reference number out of the air it seemed, as I repeatedly asked for some kind of reference number. Reference # XXXX was given. I'm out the {$50.00} and {$4.00} fee for purchasing the card. My family member had to wait longer for me to send them another XXXX gift since the card info was somehow stolen before I purchased it. This is ridiculous to be treated in such a manner. I just want the money I spent on this prepaid card. That is what they owe me!
Product: Credit card

I was in XXXX and XXXX XXXX from XX/XX/2024 to XX/XX/2024. Attached is a flight receipt and screenshot of my flight ticket. I called to file a dispute for this transaction ( {$100.00} - transaction name XXXX XXXX during a layover from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was on leisure vacation in XXXXXXXX XXXX XXXXXXXX, XXXX, a lovely city that is known for credit cardfraud where I did not haveconsistent cell phone service. I admittedly didn't pay close attention to my transactions, the majority of which occurredon card terminal. 

When I was on layover from XXXX XXXX XXXX, I did a reconciliation of all charges and noticed this unrecognized charge. At this point of realization, I immediately called Chase fraud. The Chase dispute team noted that other charges were flagged on my account that they blocked from clearing. We walked through these transactions, one of which included another P2P payment and a hotel transaction for a hotel I did not stay at ( XXXX XXXX ). Following this call, the fraud representative noted that they'd immediately have my credit card ending in XXXX cancelled and would send a replacement ending in XXXX to my New York address. Because I was in transit to XXXX when the card was closed, I asked if I was allowed to continue using my Chase Sapphire card ( both physical card and wallet ) in the meantime. The Chase employee said yes for digital wallet payments, because my XXXX XXXX digital wallet would automatically update with my new card information. I then proceeded to use XXXX XXXX in the States and in XXXX XXXX. Chase did not send a replacement card until XX/XX/XXXX. When I returned to the United States on XX/XX/XXXX, I activated the new card. 

Two months later on XX/XX/2024, I was told that Chase determined that it " did not seem like fraud '' because I continued to use my card. I hope the detail above clarifies ( 1 ) that there were clearly other questionable transactions that the Chase team effectively caught, ( 2 ) it look me a few days to notice the erroneous charge ( and I'm shocked Chase didn't ), and ( 3 ) I was instructed that I could continue to use my card until it closed upon successful delivery of the replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO ZERO? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXXXXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 
In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 
XXXX  XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the loan and closed the account from many months it still remained open in XXXX as i have raised the dispute it's still showing pending Since 2 months as i have reached the Lender that is my loan provider they are telling that XXXX denying the mails sent to them as their request all are cancelled because their lisence got cancelled, please do the needful and i am applying for education loan it is effecting my loan please do the needful as soon as possible sir. 
XXXX credit report loan updated as Dispute XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XXXX contacted all 3 credit bureaus Experian, XXXX, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.
Product: Debt collection

I owed a debt at my former college, XXXX College. I couldn't make payments because i did not have a job at the time. they sent my debt to the collection agency XXXX XXXX, without my knowledge.. They never sent me any letters stating anything about my debt. fast forward to now, I need a copy of my transcript, they couldn't process because i owed a balance, I paid my balance in full which was XXXX $ on XX/XX/XXXX via the college 's website. and I called the school and they said it was sent to collections and i have to pay a collection fee, I explained I paid in full and some lady name XXXX XXXX who works at eastern revenue, was very rude wouldn't let me even explain myself and said point blank if I don't pay the XXXX $ they're not gon na remove my hold, even though I don't owe the college anymore ... My argument is, why should I pay an extra XXXX $ for a collection feee, they didnt collect? when I don't even owe the college anymore and they never collected anything nor made themselves aware that they were in fact collecting the debt ... .I have no type of correspondence from this company.