23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly asked Navient for validation of this debt. I have never acknowledged the debt as being mine and neither has Navient. Letters were sent out XX/XX/XXXX. It was received by Navient on XX/XX/XXXX. No response from Navient. The next letter was sent XX/XX/XXXX. Letter was received by Navient on XX/XX/XXXX. No response. Next letter was sent XX/XX/XXXX. Letter was received XX/XX/XXXX. No response. In the letters that they have receipt of, I also asked them to cease and desist any communication ( including phone calls or electronic ( email, text, social media ). I did permit communication via US postal mail. They have blatantly refused validation and have ignored my request to cease and desist any form of communication except for US postal mail and have called me 121 times since XX/XX/XXXX. Sometimes 6 or 7 times in one day. 
On XX/XX/XXXX, I have mailed them an Affidavit of Truth, asking a final time to validate that this debt is mine by sending me the original contracts with my wet ink signature between myself and Navient. They still continue to call me throughout the days and just Monday, XX/XX/XXXX threatened me with XX/XX/XXXX is my " last chance '' to respond. However, I have been responding since XX/XX/XXXX. 
In the packet, that I sent XX/XX/XXXX, I have listed every violation as it relates to Navient continued harassment, non-validation of this account, inaccurate reporting to credit bureaus that is harming the reputation of my natural person. They have reported this account to the credit bureaus 4 times saying that the payment is late. They sent me a letter on XX/XX/XXXX saying that they conducted an investigation with the credit bureaus saying that the information they are reporting is accurate. What was included in the investigation? Who conducted it? Why don't I have any information from them as I requested in my letters I sent to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is what I was requesting that they mail/send to me. Instead, they are reporting me as delinquent without showing me proof of anything. 
I also have strong reason to believe identity theft has occurred as I believe transactions have occurred using a credit card in my name by someone affiliated with Navient and now they have turned around and reported negative remarks on my consumer credit file fraudulently. 
The entire packet that was mailed to Navient on XX/XX/XXXX is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times to have a personal statement that I added to my Equifax credit report removed. 

I have tried numerous times via Equifax 's website and I have sent ( 2 ) certified letters to have the statement, that I added, removed. 

This has been going on for nearly two years. Please remove the personal statement. 

What I am attaching is the " proof '' from the second certified letter I sent them. The first letter was sent in XX/XX/2018.
Product: Debt collection

There are  XXXX  accounts that do n't appear to be mine Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$2500.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$560.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$3600.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report I noticed a XXXX account in collection. I called the company to investigate the account that was reported XX/XX/XXXX. The informed me it was an account that was from XX/XX/XXXX for a address that I had never lived at. I am requesting the account be closed and removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX md XXXX, XXXX : XX/XX/XXXX, social security # XXXX. Contents of complaint ; This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you the TransUnion credit reporting agency block the following information from my credit report that isa result of fraud & identity theft within 4 days of you receiving this complaint. 
this fraudulent and inaccurate information consist of credit card accounts : XXXX XXXX & XXXX Account # XXXX opened on : XX/XX/XXXX, XXXX XXXX bank XXXX Account # XXXX, XXXX Account # XXXX opened : XX/XX/XXXX I do not recognize the accounts & inaccurate information, collections appearing on my consumer credit report maintained by you TransUnion, which I did not open, allow or create & or initiated by me. All of the accounts/inaccurate information are a result of identity theft & fraud. I have enclosed a copy of my TransUnion credit report and FTC Report Number : XXXX as proof from the us federal trade commission that all of the accounts listed are a result of fraud and identity theft In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft Within 4 days of receiving this complaint, Thank you.
Product: Money transfer, virtual currency, or money service

We were having our tax refund to the money spending account with credit Karma but they closed the account on XX/XX/XXXX without notifying us at all. XXXX sent our refund but credit Karma said they had no record. XXXX gave us a trace number to give credit Karma but they said that there was no deposit made. My taxes were supposed to be deposited into that account on XX/XX/XXXX. I feel like credit Karma should reimburse what I have had to pay XXXX. Also that credit Karma should be under investigation on all of their services.
Product: Checking or savings account

Today, on XX/XX/2023, I needed to transfer {$250.00} out of my Chime account to a non-Chime account, then to use at atm so I could access the money to pay a very important bill. 

I have had issues with card skimming and bank issues previously so I wanted to transfer to protect my Chime account. 

I used the Pay Anyone feature to send it to my roommate to pay the bill. His card wouldnt verify, so the {$250.00} was refunded. 

I then tried to then transfer the {$250.00} to one of my old debit cards. I entered my secondary phone number, XXXX and hit send. 

I did not get a confirmation email or text message showing I sent the money to my number or that I could withdraw the money. Instead, the next page showed it was sent to someone elses account entirely. 

I immediately tried to contact Chime and dispute it, as well as request the money back from the unknown person. Chime denied it due to it being an instant transfer that I myself initiated. 

They also said they can not see the number or anything other than a partial name of the other party, and it looks as though the other person who now has my money wont return it. 

They will not help me get my money, though they said they are escalating for an appeal, but their website terms state they can not do anything. 

I ended up having to use money I needed for my other bills to pay my electric bill, as well as having to use an atm. Now I dont know how secure my account is or if I will be able to afford my other bills.
Product: Credit card or prepaid card

Hi Sirs, Have a problem with Capitol One card. I had it almost two years with payments paid after being posted.. I provided a document with my complaint. I asked Capitol One to increase my limit. they keep on insisting i charged low. However, I charged about XXXX XXXX on the card last month, then i paid it off in full. After that i asked again for an increase. they decline it. This is the problem i have with them. I have to go into dept to get an increase, so they can go after me. I talk it over with others and we both determined it is a scam.I dont like dealing with scammers, It is something how these companies are gettin away with stuff. if nobody deals with them.
Product: Credit reporting or other personal consumer reports

Ive tried reaching out, but with no luck! The account was opened in XXXX  with Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Which are UNKNOWN to me. This complaint is my follow-up attempt to ensure that the listed items are ultimately removed from my credit report due to their erroneous status.
Product: Debt collection

The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.
Product: Credit card

I funded a secured credit card in the amount of {$5000.00}, with an initial deposit to Elan Financial. The card was closed by Elan Finacial and my deposit was never refunded to me. At the time the account was closed, it had a balance of approximately {$410.00}. The remaining available credit {$4500.00}, which should have been refunded to myself has not been sent. After multiple correspondence to Elan Financial, they have refused to send my initial deposit back.
Product: Payday loan, title loan, personal loan, or advance loan

being charged 29.47 % interest rate want the business to follow the SCRA XXXX Louisiana Laws Revised Statutes TITLE 29 Military, naval, and veteran 's affairs RS 29:312 Limits on creditor interest rates Universal Citation : Universal Citation : LA Rev Stat 29:312 312. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

F. A court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. 296, 1, eff. XX/XX/XXXX.
Product: Debt collection

Hello. I attended a XXXX  XXXX  school called XXXX XXXX with XXXX XXXX as the teacher. A small class program through her home. My responsibilities as a mother pulled me away from becoming a XXXX  XXXX. My eldest has XXXX and struggles with XXXX XXXX at home and at school. Therefore exhausting my energy throughout the week. I was able to pay the teacher over half of the debt. Over {$5000.00}. Financial circumstances led me to get behind on the debt and it was given to Central Bonded Collectors. I tried to work with them but, now they are threatening suing for more by garnishing my husband 's wages. With attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, WA XXXX. We are on a tight budget that's even tighter now that the pandemic has reduced my husband 's income. I would love all the help I can get to resolve this issue. I've learned that certain debts over six years are too old to collect on. Please let me know what I can do. I'm very busy with schooling my children at home with a XXXX XXXX XXXX but, absolutely will do what it takes to figure this problem out. Thanks so much.
Product: Credit card

Dear Madam/Sir, I had been a Citibank Banking customer since XXXX. I had been a Citicard Mastercard and Visa customer since XXXX. By the end of XXXX, the relationship ended. 

My complaint centers on the fact that Citicard Mastercard XXXX Account # ******************* ) and Visa ( Account # ******************* ) cancelled my cards in XXXX XXXX soon after I had made a paid in full payment of {$24000.00} to Citicard Mastercard and a full payment of {$12000.00} to Citicard Visa. XXXX cards had been in arrears off and on for about one and a half years due to my unemployment status. I made sporadic payments over this time period but in the end I paid all monies due Citicard which included late fees and 15 % interest. 

I was never notified that Citicard cancelled both the Mastercard and Visa. I discovered this in XXXX XXXX when I tried to use the XXXX Citicard " thank you '' points I had earned over time. A Citicard manager ( XXXX XXXX XXXX XXXX XXXX ) informed me that my credit card accounts had been closed by Citicard and since they were closed I forfeited all of my points ( approx. value {$3200.00} XXXX. 

I certainly understand Citicards ' right to cancel my credit cards but I take exception to not honoring the Citicard " Thank You '' points I had earned. 

I am enclosing a Citicard statement from XXXX XXXX that shows my points. I can not show a more recent statement as Citicard has locked me out of my online account. 

I request that you investigate this matter and hopefully restore my points. I will use the points ' immediately to end my relationship with Citicard. 

Thank you for your consideration. 

Best, XXXX
Product: Mortgage

Mortgage Account at Wells Fargo Monthly payment amount of {$1300.00} Requested covid suspension for 90 days. They granted, but didnt tell me what would happen at the end of 90 days - just gave me a list of potential options that MAY be granted at the end  depending on who the loan was backed by I emailed them about 7 times over the course of this period and they refused to give me an answer, just the same generic email responds as before. They then sent me a letter with the same generic info. When i call in, no rep can give me an answer and just keep forwarding me to an automated system that only gives balance info etc. very frustrating to not be able to plan for what happens at the end and im sure they prefer it this way In my opinion they have been, and still are, the worst major XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent copies of the FTC report and letters from the banks saying that these accounts are not mine. The accounts are still on my credit report. They are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2017 some opened a credit card with Discover without my knowledge. I disputed the account and Discover refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and XXXX  and have received the same results, along with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy listed needs to be removed, along with the one account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXXXXXX XXXX XXXX XXXXXXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, 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 # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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, credit repair services, or other personal consumer reports

For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from TransUnion that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from XXXX on XX/XX/XXXX, Account No XXXX and immediately put back on in XX/XX/XXXX I can not locate my TransUnion report for XX/XX/XXXX but the removal date was the same. Transunion showed that negative reporting began in XX/XX/XXXX to be removed in XX/XX/XXXX of last month.

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this Transunion has deleted all my favorable credit and left me with just XX/XX/XXXX. My  XXXX XXXX that I purchased in XX/XX/XXXX no longer shows and a few more that were updated in XX/XX/XXXX and were paid in full XXXX XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX