23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I called Navient after they constantly called my mom. I told them I was homeless at the time, and I could n't afford to pay for anything. The guy was very pushy and insisted I make a payment. 'I 'm sure your parents would let you move in, right? ' I replied, 'No, that is n't an option. ' He just kept persisting, gave me absolutely no options to delaying payments and making suggestions on what to spend my money on. My only income was and still is XXXX. I got sick of it, and he said he 'd call me back the next morning wanting my debit card information. I never returned the call. While I eventually found a home, my mail was still sent to my mom 's address. <P/>Fast forward to XX/XX/XXXX. My XXXX payment was $ XXXX less than before. After getting the runaround from my debit card company, I called the Dept. of Education to find out what was going on. My XXXX checks were being garnished because my student loans defaulted. I NEVER received any mail or correspondence from Navient for that matter. I knew I had to do something, or else I would be on the streets again. I was garnished fromXX/XX/XXXX to XX/XX/XXXX. <P/>I knew about the total XXXX discharge, and I am XXXX, which I told Navient many times over the years. Navient does n't like anyone asking, mentioning nor suggesting it as a debt relief option about the XXXX either. They were rude when I asked for more information. I printed off the forms in XX/XX/XXXX, and in XX/XX/XXXX, my application was approved. Navient owed me for payments made during the approval process. They were very slow to return my money, but I got it eventually. <P/>If there 's a class action lawsuit, count me in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and move apartments
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus... XXXX, Equifax, XXXX have other credit profiles that are reporting in my name. Under 15 USC 1681..I have the right to privacy, and 15 USC 1681 602 ( 4 ) 604 ( A ) 623 .... duties of a data furnisher. They must follow federal law to the letter. Which they don't... They use 3rd party data providers to do their investigations. Which is Fraudulent, and Misleading. THEY need to correct ALL credit profiles... remove all old accounts. Profiles like my fico... vantage score, and any other profiles that they create I my name... .profiles for banks Mortgages, Auto loans ETC. ALL profiles should be corrected for accuracy. I also would like to opt out of ALL DATA PROVIDER ... that supply my information to the bureaus. XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. and all that wasn't mentioned! According to 15 USC 1681..I HAVE A RIGHT TO PRIVACY. ANY further acts need my personal consent. By writing, or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My estranged XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX has a history of using my social security number and has negatively impacted my credit previously. I worked very hard back in XXXX to have all items which i found to be his removed from my name/credit. However, recently my family and i applied for a new home because our lease is up and the background checks are showing I have an eviction in Florida ( father 's state of residence - False Eviction Record due to Identity Theft / Case # XXXX ). 

We reached out to XXXX for example to have this removed but still nothing has been removed and any property we apply even if using background check services other than XXXX my fathers eviction continues to show up under my name on all reports. 

I am almost positive if these people would check the birthday, place of residence they would see he is an older man living in Florida, they would see it isn't me. I haved lived and worked full time in XXXX  the past 16 years. 

Below is some additional information about my father that may help. He even has photos on XXXX in the house which he was evicted from in XXXX in FL. 

I looked up the public court record of the eviction and also reached out to the landlord and lawyer to let them know this wasn't me. 

Time is of the essence as my lease ends XX/XX/XXXX but no one is willing to rent to me & my family due to this error. 

I also am calling SS office tomorrow to request a new SS number as this has happened multiple times throughout my life but this is by far the worst he has done as it is now impacting my entire family. 

We also saw there is an open XXXXXXXX XXXX XXXXXXXX account in FL under my social which i am working on but this eviction is the most important at this time as my family & I need a place to live and this preventing us from finding XXXX. 

XXXX 's Details XXXX XXXX XXXX XX/XX/XXXX Last known place of Employment : XXXX XXXX XXXX XXXXXXXX XXXX FL ) Known Residences : Multiple locations in Florida such as XXXXXXXX XXXX XXXX FL, XXXX he also resided in GA for sometime. 

Thank you in advance for your assistance resolving this situation, we look forward to hearing you as soon as possible, please find our contact information below. 

Our Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear, I had two accounts with XXXX annually paid {$110.00} couldnt cancel expired on XX/XX/XXXX and monthly {$39.00} was canceled on XX/XX/XXXX after infecting with XXXX, both subscription under XXXX the monthly {$39.00} originally charged with Discover card ending XXXX after getting infected with XXXX my card was hacked and changed ending XXXX same discover card i call the number XXXX and canceled but my card was hacked again and it changed to XXXX but at time XXXX  didnt have the new number only XXXX after Cancelation It seems discover credit card had policy to pay recurring charges and they thought it was recurring and still was paying It till XX/XX/XXXX and i was in fight with my life because of XXXX until i called Discove again and disputed the charges after calling XXXX still has the old card on file XXXX on XX/XX/XXXX, they credit me all charges but today i was charged 6 charges on XX/XX/XXXX because XXXX only they can go up to 3 months to credit me and still have the annual account but is not renewing again I really believe XXXX never had the card ending on XXXX, they couldnt cancel It and my daughter and never Received an email from them and she is XXXX helping XXXX patient at XXXX nor I XXXX and we thought it was cancel it. I think it fare to refund my monthly from XX/XX/XXXX to XX/XX/XXXX because it was canceled by calling them XXXX and he never did and we never logged in to both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Product: Mortgage

I recently closed on a house, XX/XX/XXXX. The initial escrow estimation related to property tax prior to closing was incorrect. I requested a correction and receive this correspondence from their system on XX/XX/XXXX : " Hi XXXX, Youre getting this email because something changed on your loan estimate. Dont worry, this is a normal part of the process, but we sent this automatically so you know whats going on. 
In particular, these sections updated : Initial escrow payment Prepaids You dont need to do anything now. But when youre ready to review, just look at your most recent loan estimate. Its available 24/7. " The figure they originally used was {$4500.00}. The documented property tax is {$2100.00} and the figure they used for the XX/XX/XXXX email. ( Retrieved from XXXX XXXX XXXX, last name XXXX, tax year XXXX. ) However, at closing, the {$4500.00} was used. I decided not to delay closing knowing that we could adjust the escrow after closing. Now they refuse to correct the escrow. They say the property tax is " undervalued '' even though they have evidence of the correct property tax amount. Per your regulations, they are not allowed to do this. The escrow collections have to be based on the actual or expected annual disbursements. 

The mortgage company is Better Mortgage. I would like this resolved. They refuse to follow consumer guidelines.
Product: Credit card or prepaid card

My card was close and i used my own to open the account they reported late as well the account is closed and they still reporting late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to the furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts and inquiries on my credit report
Product: Money transfer, virtual currency, or money service

I transferred my money that was issued to me through the IRS and my account was then frozen, asked me for my ID I sent it. They received it. Now my account is deactivated with XXXX from the irs in it. I want my money back
Product: Checking or savings account

So I opened an account to bank of America they told me to deposit money I had XXXX checks deposited then someone got into my email and apparently logged in to my bank of America account they called me I gave them all the information they needed they told me to change my email password and they will send me a new login and information so it stayed like that I called back to get my information and the person told me that they just went ahead and closed my account I asked him why he said there was no reason that it was the banks choice I'm like ok then I get a letter stating they closed my account and they where gon na buy my information to where I can't open a account anywhere and they won't tell me why they won't give me a explanation of why there gon na do that
Product: Debt collection

I paid XXXX XXXX XXXX {$200.00} in cash. They applied to the wrong account. I provided written evidence of the mis-application and XXXX XXXX XXXX acknowledged in writing they had made a mistake. I have called them 32 times without resolution and they are still reporting the {$200.00} due on my credit report causing material harm to my credit and preventing me from obtaining credit I would have otherwise obtained had their improper collection had not appeared on my credit report.
Product: Consumer Loan

I was not informed in writing regarding a possible charge off for bad debt nor given the chance to rectify the situation which I could have done. I have been paying on the car loan for four months not knowing it had been charged off. When I attempted to contact the company for past due amount and payoff quote I was denied the information. I was also harassed and threatened by a collection agency and she did n't provide me with a name of the agency or information on her call until she started calling around to people I know, which I am not sure how she got those numbers. I attempted to come to an arrangement with her but she threatened me and told me that she does n't have any information for me. I also filed a detailed report with the XXXX and with the FTC.
Product: Checking or savings account

I am so sick of this .... 
On XX/XX/2023 I initiated a {$120.00} payout XXXX XXXX that had a displayed processing date of no later than XX/XX/XXXX ( the next business day ), which means the funds would have typically posted to my bank account by the XXXX. Upon checking my survey.com account and email I can see that not only was the payout not processed by that time, but has also not been processed at all as of the XXXX, which means that, at the earliest, the payout won't be sent to my bank account until next Tuesday! Because I am very familiar with the timing of the payouts from this source I had a delayed emergency payment to another account scheduled to not post until just after this payout posted, but that is not what happened since I haven't received any funds as of yet on time for this payout. I also had a payment scheduled from another which posted to the account on time as it should have because they appropriately processed it in a timely manner. Both payments would have posted at the same time if it wasn't for XXXX mishandled this. 
This has caused my bank account to be overdrawn and a {$30.00} NSF fee will be assessed this weekend or on Monday the XXXX. I am absolutely livid and disgusted. I absolutely can not afford to pay this extra fee expense at this time because of this company not processing payouts in a timely manner. 
I understand that this is not FHB 's fault or a bank error, but the extra fast processing of the charge to my account on the XXXX instead of the XXXX is questionable. 
I am requesting reimbursement of the {$30.00} NSF fee.
Product: Checking or savings account

At XX/XX/24 at XXXXXXXX XXXX i am make the purchase at XXXX store for amount of XXXX $ and first one transaction was declined of system problems, them i was pay second time. I have the recipe on my hands that shows, that i have two transactions and the first one was declined. So i pay only once, and the manager of the XXXX provide for me Electronic journal report, that they charged me only once for my purchase. But the dasher direct bank charged me twice. Them i call them many times, and they ignored me/dont want solve the problem/dont want to listen to me. And every time just hanging up the call. I have the recipe of purchase and the store payment report on hands. The store didnt charge me twice. There is a problem on the bank side on dasher direct bank of XXXX organization which actually in charge with Payfare International inc . They totally ignored me and dont even want try to solve this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Many inquires were made that I dont recognize and the dates are all different
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased an item from XXXX XXXX and paid for it using Venmo and my XXXX debit card. The Item was not delivered and the seller cut off contact with me. I contacted Venmo to dispute the charge. Venmo informed me that there was nothing that they could do and to contact my card provider. I contacted my credit union and they informed me that XXXX does not work with Venmo in dispute situations and there was nothing they could do. I find it odd that XXXX will not dispute a Venmo transaction. This sounds a lot like market collusion to me. Venmo will no longer converse with me regarding this situation.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXXXXXX XXXX  XXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX XXXX {$880.00} opened XXXX ; XXXX XXXX Bank XXXX {$860.00} opened XXXX ; XXXX XXXXXXXX XXXX {$660.00} opened XXXX ; XXXX XXXX XXXXXXXX XXXX {$500.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened XXXX
Product: Debt collection

The company failed to provide proof of debt pursuant to the FCRA and the FDCPA after I questioned the validity of a debt. 

The company provided a computer statement which under no circumstance do I accept a Computer Statement as a proof of debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts posted and or reported on a credit report. 

Under the FCRA, unverified, invalid accounts must be removed from all credit reporting agencies. 

The law is very clear as to the Civil liability and the remedy available for the " negligent noncompliance '' ( FCRA Section 617 ) by not complying with this Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX/BBVA XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

On XX/XX/XXXX called Wells Fargo and inquired about when my PMI would end. They told me three criteria, 2 of the 3 I will meet by XX/XX/XXXX but they then explained that the third criterion, to have a 78 % loan/value I would not meet until XX/XX/XXXX and that my home could not be appraised. I explained that the value of my home has nearly doubled in two years, I exceed 82 % loan/value at this time, conservatively. They then explained that this money is paid to XXXX and that I should contact them to inquire further. I contacted XXXX, spoke with a representative who told me I would need to call the Federal Trade Commission at XXXX. The Federal Trade Commission representative said that was incorrect, which I suspected, and referred me to the Consumer Financial Protection Bureau who explained the typical qualifications to end PMI payments, including that I can request " in writing that PMI is stopped when the home has 80 % loan/value ''. This detail was not mentioned by Wells Fargo on two separate occasions, but I already knew about this from my initial lender.
Product: Credit reporting or other personal consumer reports

Today made a settlement payment in the amount of {$210.00} to Resurgent / LVNV account # XXXX. 

This settlement payment was made in exchange for deletion of all credit reporting agencies. 

I should not have to wait 30 days for account to get deleted off the credit reporting agencies database. 

Attached is receipt that payment was received by Resurgent / LVNV
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2008 with a balance of {$0.00} -This is not my account.
Product: Debt collection

AWA COLLECTIONS XXXX XXXX XXXX I HAVE CONTACTED THEM WITH NO AVAIL. I WAS A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I discovered inaccurate late payments reported by XXXX XXXX for account number XXXX. Specifically, the reported late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect. Despite multiple attempts to resolve this issue with XXXX XXXX, their negligence continues to negatively impact my life and creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), the following requirements must be met before reporting late payments on a consumer report : 1. Accuracy and Verification : Late payments must be accurately reported, based on documented proof, and verified by the creditor before reporting.

2. Proper Notification : The creditor must notify the consumer and ensure the information is correct before reporting to credit bureaus.

3. Compliance with Reporting Standards : Reporting entities must ensure strict adherence to accuracy and fairness when adding any information to a consumer report.

I am aware that I may be entitled to {$1000.00} per violation under the FCRA. With this account containing 10 inaccurate or unverifiable items, I would be eligible for up to {$10000.00} in damages. However, I am willing to bypass this compensation in exchange for the immediate removal of the inaccurate information from my consumer report.