23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.
Product: Credit card or prepaid card

I received an email on XXXX XX/XX/2022 from Bank of America that I submitted a credit card application on XXXX XX/XX/2022 for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with an application reference number. I did not submit this application and have no accounts with this bank. I attempted to call them to submit a fraud claim, find the details of the application and cancel the applications but was told their office was closed and couldn't help me. I spoke with their generic help line, their manger in the credit department and their fraud specialist. None were able to provide me the details of the application nor cancel the application. They even asked for personal information such as my social security number, which stood out to me since I do not have any accounts with this bank nor did i submit this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

This is my 3rd or 4th complaint against Capital One for the same exact issue. 

The company repeatedly denies my credit line increase requests, even though I have good credit, good income, and make all my payments on time. The letters they send DOES NOT provide a detailed explanation as to why ; the explanations are vague and provide little to no information as to why. When I call the company 's customer service to receive detailed information, they tell me that they can not help me and to read the letter explaining the credit line denial - even though I explain to them when we first start the call that 'm calling to receive specific information as to why I'm being denied a credit line increase. There is no detailed reason as to why I'm being denied a credit line increase ever provided. Even the companies previous responses to my prior complaints on the same issue are filled with no valid reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit

Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act cl
early states. I did not provide written consent to report them. List all accounts : "
Product: Money transfer, virtual currency, or money service

My account was hacked & I lost out on all my money that i had save into my account without any consent of transaction by cashapp what so ever.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3300.00}. 
These fraudulent activities have also resulted in several hard inquiries on my credit report, which I did not authorize. Below is a list of fraudulent inquiries : XXXX XXXX XXXX These fraudulent accounts and related hard inquiries have caused harm by negatively affecting my credit score and overall financial health. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts or hard inquiries. The accounts and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : XXXX
Product: Debt collection

AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX  XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. 

Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary,  where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. 

We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. 

The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX
Product: Debt collection

My name is XXXX XXXX and I received a copy of my credit report and was shocked to see XXXX collections for XXXX XXXX XXXXXXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those XXXX bills are not mine and have never been mine.
Product: Credit reporting or other personal consumer reports

Inquiries 1. XXXX XXXX XX/XX/2023 2. XXXX XX/XX/2023 3. XXXX XXXX XXXX XX/XX/2023 4. XXXX XXXX XX/XX/2023
Product: Debt collection

I did not know this account until it popped up on my credit report, it was investigated and removed from my credit report as fraud. I am not sure why it has popped up on my credit report again.
Product: Debt collection

National Credit Systems has reported a collection over a rental since XX/XX/2020. Their client, original creditor, was taken to court due to slumlord conditions in the property that I leased. 

This lawsuit was settled in XXXX with the debt been waived and released as part of the settlement. 

This was informed and mailed to the collection agency and they denied my legal request to remove this collection from my credit reports. This has caused me damages, since its affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
Product: Checking or savings account

After reviewing my EWS report I notice a chase account I am not familiar with. I notice a XXXX XXXX XXXX XXXX account that I do not have access to. Please find attached the letter of me sending to EWS requesting validation in which I did not receive it.
Product: Credit reporting

Credit bureau " Equifax '' had mixed my credit report information and my brothers credit report information. I contacted them in XXXX XXXX about this issue and after sending over requested proof and verbally telling them all of my accounts they did an investigation and started my credit file with them. Until XXXX/XXXX/XXXX I did not have a file with them, however I have credit history from at least XX/XX/XXXX. 

My current issue is that my accounts are not updating currently to show the most recent information, they show incorrect balance information and other incorrect information. I believe this is is because my file is still mixed with my brothers, my brothers credit file still includes my name, social security number, and all of the accounts that are listed in my credit report. 

Equifax 's inaction to correct these issues has caused financial harm to me by listing incorrect information on my credit report and reporting a lower score than all other credit bureaus because of this incorrect information. 

I contacted them on XXXX/XXXX/XXXX about this issue and they told me it would take several weeks to hear back. At the end of the call the service rep spent five minutes pressuring me to buy their credit monitoring for {$12.00} a month so that I can " see the status of this investigation. '' This is a clear conflict of interest ; Equifax has a incentive to not correct mistakes and refuse to update my file and follow up with my complaints when I do not subscribe to their service in order to pressure me to subscribe to their service so that I can see what is wrong with my credit report. An " annual credit report '' for free is not sufficient when issues like this arise, in cases of valid disputes credit bureaus should allow online access to credit report file for free from the start to the end of an investigation. 

Thank you for reading.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported accounts that do not belong to me, but I did not receive any response from the bureaus regarding their investigation or action.
Product: Debt collection

I owed XXXX around $ XXXX after graduating. After graduating, an agency called the " National Credit Systems '' hit my credit, claiming that I owed them $ XXXX. I never received any notice from NCS, but I did receive a call from XXXX XXXX XXXX, who I am currently paying my debt through. XXXX Bursars office has confirmed that XXXX is the correct agency. I tried calling NCS to ask why they were hitting my credit for a debt that is not owed to them, via a contract that does not exist between them and XXXX. The person on the line was incredibly rude, intentionally vague, and would not tell me why they claimed debt against my credit. I mentioned that XXXX confirmed XXXX was the correct agency and that NCS was not, and the representative hung up on me. I've submitted a claim via XXXX, but I'd like to report predatory practices here as well. There are many young recent grads who are in the dark about how debt is bought and sold. Based on a conversation with an NCS rep and due to the fact that I still have their company 's fake balance impacting my credit, I have reason to believe they are intentionally preying on recent grads.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent onXX/XX/XXXXand are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Student loan

I would like to pay on my loan. However, the income base payments that they have asked are excessive! They base y income on a number that is prior to taxes and living expenses. I 'm not rejecting paying the loan. I 'm simply asking that they work with me in terms of the payment agreement.
Product: Credit reporting

There are several items that are on my credit report due to fraud. 
My social security number was stolen from me to open accounts in my name.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a copy of my consumer report and discovered many inaccuracies. Experian is furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 15 USC 1681b ( c ). 
I have received correspondence from several companies stating my information has been part of data breaches. Companies like Experian, Equifax, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX  have stated that my name, date of birth, address, and social security number have been a part of data breaches in their systems. 
I am going through identity theft and demand deletion of these accounts and inquires immediately. 18 U.S.C. 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a couple of letters on XX/XX/21 and XX/XX/21 which the first is over 90 days ago and Equifax is ignoring me and still reporting inaccurate information on my consumer credit report. I have sent multiple letters and all they say is that it is verified. Please tell me that's not breaking the law. They don't send any evidence of it being verified to me at all. They told me they got my information from XXXX but how is that possible unless everyone is reporting false information on my report? Also i never gave them permission to violate my privacy like that. They are violating so many consumer rights here it is crazy. It isn't accurate, they haven't verified it and it is hurting my consumer report and stressing me out. Please help me understand how they can keep reporting false information even after i provided proof that it is false
Product: Credit reporting or other personal consumer reports

I have been subject to the Equifax Data Breach. My information is at risk getting into the wrong hands.
Product: Credit reporting or other personal consumer reports

Transunion didnt read the information properly from a typed letter dispute. From that, instead of Transunion investigating the original inquiry they completely ignored the item I wanted to dispute and disputed & removed a positive and open credit line. Simply because the first few numbers of the account were similar. They admitted that the system must have scanned the letter and assumed it had the correct account. Instead of fixing the error that Transunion caused they refused to investigate properly and claim that they can not do anything to help me, even though they admitted the error was theirs They blame me and want the original creditor to fix their error