23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Navient to request income drive repayments or other options for my private loan due to me being in school again and having low monthly income and they offered me a 'Special Program ' loan repayment, which would be considered under forbearance for that option as they stated that was the ONLY option for me for making payments of {$250.00} per month. When that loan repayment option expired for me at 6 months, they canceled my automatic payments and then when I called them to request my options, they stated that there was a new forbearance option for me to pick with a one-time {$100.00} payment over 3-months but that I only had 5 months of forbearance. They never gave me that option at the beginning of the initial 7 months of my forbearance, yet I did my due diligence while struggling to pay {$250.00} per month for the initial 6-months of my forbearance, which they gave me as the ONLY option. When I asked why did they do this, the representative & the manager from their collections department stated that " We don't have to give you or mention any other options to you, even if you ask. We don't even have to give you any income-driven repayment options or provide you any other forbearance options in what we tell you. '' The manager then gave me an option of doing an interest-only payment option of {$350.00} per month over 6-months which would NOT be considered under forbearance as she stated, which I agreed in order to not use the remaining of my forbearance of 5 months I had left as that manager stated. When I got off the phone with that manager and went through the phone system agreement and back to the regular representative, that representative stated to me that actually those interest-only payments over those months would be considered forbearance for me, which I had already agreed to supposedly. I was extremely frustrated and felt manipulated as a consumer trying to just pay my loan responsibility. I felt Navient failed to treat me respectfully or with any understanding. They only confused me and failed to take any consideration of my financial situation, which I felt they did not care at all throughout this whole situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX exquifax XXXX report close accounts over 1000 days old and illegally sell accounts with a illegal collection process If u had a bankruptcy dismissal because U become permanent XXXX Closed account that was sold dismiss payed off still get reported a reported collection account thats not yours just pop up at any given time How u argue with me like Im lying about a account that can not be verified I been apart of the credit bureau breach Its still not fix so I have to suffer for their breach as well as the daily problems We in a pandemic but they dont give a s Sad system main focus is to keep certain people permanently down How I supposed to apply for a house loan when credit bureau report closed account accounts that not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally and being in tensionto bring up charge off closed account to active account in over XXXX  years, this account is XXXX XXXX XXXX charge off account, collection is not reporting accurate credit report and intentionto abuse consumers credit reports.I repeatedly challenging credit bureaus and collection agency to fix this problem, but they refused to fix it and I am not taking any more chances talking to them to fix this problem, please CFPB to take this a serious action and looking for penalty at the collection and XXXX and Experian, I demand to remove this wrongfully abuse collectionoff my credit reports.
Product: Debt collection

Around XX/XX/XXXX of this year, I sent an affidavit of truth and an invoice for {$7000.00} to fox collection center. It has been over 30 days since they have received those documents and my affidavit has not been rebutted, meaning that it stands as true. However, I have not received payment for the invoice, as they are now liable to remedy me.
Product: Money transfer, virtual currency, or money service

Every time I try to make a payment, I receive this error message : " Sorry, we weren't able to complete your payment at this time. Please try again later. '' I contacted paypal, and I was told there is no problem with my account, but I still get the same error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureaus, XXXX, XXXX, & Equifax are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Product: Debt collection

I disputed charges with Experian explaining that there was no agreement between myself and the debt collectors on my credit report. I do not believe an investigation was conducted. My current information was updated without my acknowledgment or permission. 

Report # XXXX Creditors : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

Iam writing to report fraudulent accounts added to my credit report due to identity theft. I have attached my Identity Theft Report from the Federal Trade Commission ( FTC ) for your reference ( FTC Report Number : XXXX ). Despite my dispute with TransUnion, they failed to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts and amounts are as follows : XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account- {$460.00} XXXX. XXXX XXXX XXXX XXXX Account- {$400.00} XXXX XXXX XXXX XXXX  ( Personal or Business Loan ) ( Account Number : XXXX ) - {$1000.00} These accounts were opened without my consent or acknowledgment. The fraud dates back to as early as XX/XX/XXXX, with the latest fraud discovered in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting and convergent accounts has violated my rights ; XXXX XXXX account number ; XXXX XXXX XXXX account number ; XXXXXXXX XXXX  account number XXXX rise account number XXXX XXXX XXXX account number XXXX XXXX  account XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account XXXX XXXX 15 u.s.c 1681 section a states I have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the verification process used to establish that an accounts were legitimately opened under my name. I believe the company has failed to comply with proper identity verification standards, resulting in fraudulent activity linked to my personal information. 

Details of the Dispute : I discovered an account in my name that I did not authorize. Upon requesting verification, the company failed to provide proper documentation showing how they confirmed my identity. ] Reasons for Dispute : 1.Failure to Properly Verify Identity [ Company Name ] did not provide sufficient proof that they followed legally required verification procedures, such as Know Your Customer ( KYC ) compliance. 
2.Lack of Documentation When I requested evidence of how the company verified my identity, they failed to provide clear documentation proving the account legitimately belongs to me. 
3.Potential Violation of Consumer Protection Laws Under federal regulations, including the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), companies must verify the identity of individuals before opening accounts in their names. 
4.Risk of Identity Theft This unauthorized account suggests potential identity fraud, and I demand an immediate investigation to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX/XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX   XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiry on XX/XX/year> Dear XXXX XXXX XXXX XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing regarding a credit inquiry made by XXXX XXXX XXXX XXXX on my TransUnion credit report dated XX/XX/year>. 

While I acknowledge and am not disputing the inquiry made on XX/XX/year>, I must inform you that the XX/XX/year> inquiry was not made by me. I have been a victim of identity theft, and this fraudulent inquiry was conducted without my knowledge or authorization. 



To support my claim and assist in resolving this matter, I have attached the following documents for your review : 1. Copy of my birth certificate 2. Copy of my Social Security card 3. Copy of my state-issued ID 4. Police report documenting the identity theft incident 5. Copy of a recent bank statement for proof of address I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report. Please let me know if there are any additional steps or documents required to assist in this process. 



Should you need to reach me for further clarification, I can be contacted at XXXX or via email at XXXX. Thank you for your time and attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently view a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove the accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Hyat and Hyat Landeau continue to call me about a debt. I don't know who they are ans what the debt is. I've never received mail, only calls.
Product: Credit reporting or other personal consumer reports

I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 

My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find attached copies of my driver 's license and a bank statement as proof of my accurate address. 

In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. Please send a updated consumer disclosure report showing my accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appendix B to Part 222 - Model Notices of Furnishing Negative Information a. Although the use of the model notices is not required, a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix ( as applicable ).

The following companies did not notify me in regards to the alleged debt. Also, I am a victim of identity theft. 

Following Companies : 1XXXX XXXX XXXX 2. 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

***ALL ACCOUNTS BELOW HAS VIOLATED MY RIGHTS*** CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a dispute today XX/XX/year> @ XXXX ; XXXXpm at exactly XXXXpm I received an email from Experian saying investigation completed. An items remains an were verified as accurate XXXXXXXX XXXX even after showing proof XXXX couldnt find a bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern : The company has flagged my name for fraud and warning. The company did a investigation and did not remove the mishap. Although I know its the companies responsibility it is not my fault and I shall not be punished for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company Medit Credit continues to report the debt as outstanding and continues to report to the bureau as late and outstanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED YOU ARE REPORTING INACCURATE INFORMATION IN THE PERSONAL INFORMATION SECTION, TO DIMINISH SPECULATION BELOW IS MY LEGAL NAME XXXX XXXX, PLEASE DELETE ANY OTHER NAMES AS THEY ARE NOT MINE AND I HAVE NEVER USED ANY OF THEM.
Product: Money transfer, virtual currency, or money service

Nothing was taken from me, im simply trying to verify my profile with coinbase for the past 1 year plus. Been in their chat multiple times chatting with support for probably over 24h at this point. And after sending all the required documents they keep sending me in circles. First they took over 3 months to review the documents, and then sent me a email that the documents have expired because they are older then 3 months. Then I re submited them and they use the excuse that they are really busy so its gon na take a while. I still precisted to write to them everyday with the hopes that I will restore my account access. Sadly it did not work, just waisted my time and energy. I have proof of them delay me for 30 days so far because I started recording the converstations with them. The last time they said I havent submited the right documents and I have SS of their customer support telling me ive submited all the right documents and just need to re submit them that was 30 days ago. So at this point Im hoping at least they can be held accauntable for making a fool out of me for over a year now. The documents I've submited are a Debit Card Statement dating from XXXX to XXXX, Bank Statement of the same Debit Card + copy of my national ID card.
Product: Debt collection

I had noticed on my credit that I have been charged for an account with XXXX XXXX XXXX for the amount of {$330.00}. I did my due diligence and went in person to spectrum to see exactly what was going on, and they couldnt find my information on the system. They went ahead and referred me to a phone number for spectrum where they could verify my information. I went ahead and called that phone number and the representative who actually found out that the account of {$330.00} was being charged to me and sent to my collections because the person who was actually the owner of the account was not being able to be found in the system with spectrum. The person who is the owner of the account has the same name as me ( maiden last name ). The persons birthday does not match mine though, and they did not include a Social Security. I take this offensively and irresponsibly in the part of XXXX since they were so impulsively to charge me with an account that is not mine. I am disappointed since I have been part of the XXXX  family for years. It is disappointing that they jumped on the first person they saw that at the same name and they charged him for an account that has been delinquent in since XX/XX/year>.
Product: Debt collection

I paid a XXXX XXXX on XXXX XXXX. On XXXX XXXX and the XXXX respectively. XXXX hired. XXXX XXXX, XXXX and Stellar Recovery, inc. to continue to collect a debt I have already paid directly to XXXX.
Product: Mortgage

Thank you for the opportunity to address the violation to the XXXX XXXXXXXX XXXX XXXX The term, dual-tracking refers to the situation where a mortgage servicer brings a foreclosure action on a home mortgage while a borrowers application for modification of the mortgage is pending. Since the adoption of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX prohibits dual-tracking. 

We have been very active to contact XXXX and send it all the paper work and documents request. 

The XXXX XXXX was approved. We fill all the documents and send it via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Still a few days from XXXX they send our only home, ( primary residence ) to foreclosure when we are waiting for the XXXX XXXX. 

Thank you and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Trying to use flex rent payments due to covid money loss and Pnc doesnt allow the rent cafe to do withdrawals
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. 

I demand the following accounts be verified with an original consumer contract or removed immediately. 

ATTORNEY GENERAL XXXX XXXX # XXXX ATTORNEY GENERAL XXXX XXXX # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a Mortgage in 2019 with XXXX XXXX XXXX. 
this Mortgage company for the several months stop sending mortgage bills and told me, I no longer had an account with XXXX XXXX XXXX  ... that they were bought out and taken over by another Mortgage company. I was told to wait until the new Mortgage company would generate a new account number and new billing cycle ... .which took several months, because the XXXX XXXX XXXX  had been acquired and many customers complaint were coming into thier XXXX # /// Because my account took several months to transfer all my customer mortgage information to the new Mortgage company, i was told to wait before making a payment and wait for the new bill to arrived, which took several months. 

I would like my late payment removed from XXXX XXXX XXXX  in all of 2019 ... .this problem, was the mortgage company 's fault for bad customer service and lack for billing no longer being sent to my home address and also my online records were no longer available, the website no longer was working to make payments in 2019 from XXXX to XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth I have inaccurate information reporting on my TransUnion credit report. There is a XXXX XXXX XXXX XXXX account # ( XXXX ), that was disputed and removed by TransUnion for inaccurate reporting on XX/XX/2019. However, this account was reinserted on my credit report without sending me a pre-sell or post-sale letter after the repossession. Also this account was deleted from XXXX and XXXX. I have a letter from the creditor ( XXXX XXXX XXXX XXXX ) admitting that they are reporting an inaccurate high balance to my TransUnion credit report. Furthermore, without my knowledge XXXX XXXX XXXX performed a XXXX to cancel the alleged debt. In conclusion this debt is cancelled, the account was removed and reinserted to my credit report, the High balance is incorrect and TransUnion, XXXX an XXXX report This XXXX XXXX account differently. Please hold XXXX XXXX and TransUnion accountable under The laws of the U.S.C and U.C.C codes and Fair Credit Reporting Act. Please remove this account immediately, otherwise I will exercise my rights under the law for remedy. I've also attached documents proving why this account needs to be removed immediately. Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I contacted Navy Federal Credit Union multiple times one date being XX/XX/24 and XX/XX/24 letting them know that I opt out of them sharing my nonpublic information with nonaffiliates like XXXX XXXX XXXX without my permission or consent. They have shared over XXXX different checking and savings accounts and over XXXX of my transactions from all XXXX accounts and their status Please see attached documents for reference.