23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has places XXXX individual items on my credit report and will not provide the information that is being requested of them in order to validate the loans and confirm the information within. In addition to not providing the appropriate documentation and also reporting to XXXX and XXXX that I have had late payments within the last 12 months. My credit reports also states that navient has managed my account since the inception of the alleged loans which is also inaccurate. Navient has been unwilling to work with me in relation to the matter but has stated that my requests are frivolous in nature. Navient has violated the XXXXFDCPA and FCRA. I have asked on numerous occasions for a validation of debt and somehow they are able to validate the debt with XXXX and XXXX but not me. All communications have been sent via registered mail and I have pointed out each violation, but yet while under investigation, they still report which is another violation. Navient is not compliant to do business within the state of TEXAS and at this point lawfully has no right to report anything on consumer credit reports. Navient is indeed a 3rd party debt collector and has not filed with the state of TEXAS nor do they have a BOND issued by a accredited bonding company. In addition to the items provided above, they have also not been able to provide the wet ink signature for the contract that I have within the company which is an additional violation. Due to the negative derogatory item on my credit report I have been turned down for loans and business opportunities due to the derogatory items that they have placed on my credit report. I request to see the verifiable, valid proof ( an original contract with wet-ink signature on it, copies are not validations ad by law are not considered proof ) I would like for navient to remove each XXXX items from my report based on the information provided above. I also seek damages for the issues and hardships they have caused me for suppressing my credit scores in an effort to get payments from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my transunion account under the name XXXX XXXX, account # XXXX, that does not belong to me on my credit report. I sent a letters to transunion on XX/XX/18, XX/XX/2018 telling them that this account in not mine and that they remove this information because it is not accurate. They keep allowing the account to be updated by the collection agency even though ive demanded to see their proof of how they validated it. under section 609 of the fcra they must provide me with proof that this account is mine and they must provide me with the method of validation which they have not. I am 100 % sure this account is not mine. Transunion must not be allowed to blatantly break the law and allow this incorrect information to remain on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX 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

There are XXXX  inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial standing has become.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information with proof and the company refuses to respond on time and consider my proof. I believe the company is in willful non-compliance of XXXX XXXX XXXX XXXX XXXX., No. XXXX ( C.D.Cal. XX/XX/1995 ),
Product: Debt collection

On XXXX XXXX, 2018, I received a call from this company. They recited my driver licence 's number and the last 4 of my social. I ask the woman for a debt validation letter, but she claimed they had already a letter to an old address and that they were n't sending anymore letters and the next step is garnishment and doing " something '' to my license. I could n't make out what she threatened to do because she was really belligerent from the start of the conversation, which leads me to believe that that is a tactic they use to get you flustered and intellectually marginalized so you ca n't logically think. The debt she said I owed was {$4000.00} from an unpaid payday loan {$700.00} years ago. This is incorrect because while I 've taken a payday loan before years ago in college, I never took out {$700.00} and I already have a payment arrangement set up with another debt collect. The caller was highly uncouth and disrespectful. I believe they might be trying to scam me. She said her name was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX  and TransUnion ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.
Product: Mortgage

In XX/XX/XXXX, I got my 30-year fixed mortgage from XXXX and have always been paying on-time $ XXXX. In XX/XX/XXXX, New  Penn Financial ( currently NewRez ) bought the mortgage from XXXX. During the transition, I was informed that my mortgage remains absolutely unchanged except that payments will now go to the new servicer. Since XXXX NewRez started unfair and deceptive practices with this mortgage. In the XXXX statement the monthly payment changed from {$590.00} to {$600.00} without any reason. After contacting their customer service, they could not explain why and never fixed the wrong payment amount. Since XXXX they started sending me letters about hazard insurance that never had anything to do with my mortgage. I have never missed a payment ( auto-pay from my bank account ) and the mortgage has PMI from day one. For the past few months, NewRez continued harassing me with letters even after I contacted them. This month, they sent me letters showing they added thousands of dollars of insurance on my mortgage and showing huge deficit in my escrow balance and that I am default on my payments even though I have been paying the fixed {$590.00} per month on-time. On these letters, NewRez is threatening me to report me to the credit agencies and to take legal actions. Please see attached documents showing information on loan origin, current status and deceptive fees added by NewRez in recent months. Being a good citizen, I am requesting your urgent help against these fraudulent activities, deceptive tactics and harassment from this servicer. Your kind help will be greatly appreciated. Thanks.
Product: Prepaid card

I paid for a game with my vanilla gift card yesterday for some video games on steam and I say that my card is overcharged twice when I paid for the games I saw that it was a problem that needed to be fixed
Product: Credit reporting or other personal consumer reports

On my consumer report there are incomplete and inaccurate accounts reporting. I have asked for verification of multiple accounts and they all have come back verified, I would like to know the method that was used to confirm that accurate and correct information is being reported. According to the FCRA you are suppose to report correct and accurate information. Your report should also reflect the other CRAs and at the moment there are a few accounts on my consumer report that are not on my XXXX please make the corrections and delete the accounts I would like these accounts to be reviewed for to confirm they are correct and accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the investigation is complete please send me my complete credit file
Product: Credit card or prepaid card

I was traveling in XXXX during the month of XX/XX/2018. While I was traveling, my Chase XXXX XXXX  Visa was charged a fraudulent amount of {$350.00} at XXXX XXXX XXXX XXXX. On the night of XX/XX/XXXX, I used my card at the restaurant of XXXX XXXX XXXX XXXX for an amount of {$52.00}. ( The Chase representative  said that these restaurant charges were under a real estate transaction, not for food and beverages like they actually were, which was very strange ). On XX/XX/XXXX, the very next day, my card was charged {$350.00}. This charge, I did not authorize. Chase is saying that I am liable because I was staying in the area. The hotel used my card on a chip reader and that is their reasoning for as to why I am responsible for the transaction. The fact of the matter is, I was not present during this transaction nor did I give anyone access to my credit card. I even requested camera footage which was not an option. I asked Chase why my signature and ID ( my card says see ID ) was not requested for this transaction. They replied that they do not require these items for a valid transaction. I asked them why am I not protected by my own credit card company when it comes to fraudulent charges? They did not have a valid response. Needless to say, I cancelled my account as they refused to help me with this process. I've never had a problem with my credit card being used without my consent before this and I would not wish it upon anyone. It's quite unfair that I should be held responsible for this payment when I was not the one responsible for the transaction.
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. Convergent : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX A Account Number : XXXX DPT ED/XXXX Account XXXX XXXX XXXX DPT ED/XXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : 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 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

I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer cre pit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Money transfer, virtual currency, or money service

Greetings, my situation is that I am using this app called Robinhood to deposit money for crypto and to invest. Around XX/XX/2023 I lost my phone ( XXXX XXXX ) which is linked to my Robinhood account. Quickly after losing my phone I purchased a new phone ( XXXX XXXX XXXX ). Around the same time, my Robinhood account got restricted for no reason on XX/XX/2023 after I had a deposit come to my account for {$6500.00} in Bitcoin. Thankfully I was able to withdraw the money to my bank account on my windows computer, which is also linked to my account. Prior to getting restricted on the app, I had around {$3500.00} in crypto ( XXXX XXXX ). Im bringing this up because now I can not withdraw my money from the platform due to the restrictions.. Ive been calling the support line for days now because the support team and in the app says it can take 7-10 days to resolve.. Well its been more than 10 days and I keep getting the run around everytime I get on the phone with support and they keep asking me to verify the same information that I keep providing.. I uploaded a previous bank statement, current drivers license and did face recognition to prove that its my account, but its still restricted.. Everytime I call the support they wont give me a reason to why its still restricted after all I provided and they tell me the same thing on the phone..
Product: Debt collection

Alerted to a collection from southwest credit about a cell phone bill from XX/XX/XXXX never received any documents on this account during the time of the alleged account I was stationed over seas in XXXX do not believe the account to be mine due to the fact I did not leave XXXX in route for the United States until XX/XX/XXXX attached is my household goods packaging sheet showing my movement from XXXX to the United States and the conversation with XXXX about the account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable credit reporting. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to be free from misleading or unauthorized debt collection practices. Below are the issues I have identified : 1. Inconsistent Reporting Across Bureaus : The Account Type - Detail is listed differently across bureaus, with TransUnion stating Unknown - credit extension, review, or collection, and XXXX reporting Collection. This inconsistency violates 15 U.S.C. 1681e ( b ). 
XXXX. Improper Dispute Status : The comments from XXXX and XXXX state that the account is disputed. If this dispute has been resolved or if the reporting is incorrect, this information must be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/year>. If no activity has occurred since then, the account may exceed the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
4. Lack of Verification and Payment History : The report does not provide any detailed payment history or verification of how the account reached Collection/Chargeoff status. 
XXXX. Unauthorized Transfer of Debt : I did not authorize payments to XXXX XXXX or agree to the transfer of this debt. Reporting this without my consent may violate the FDCPA ( 15 U.S.C. 1692e ). 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard.

2. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than seven years from the date of first delinquency. 
3. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information.

5. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.
Product: Bank account or service

I bank with Key Bank. I do not have overdraft protection.it was my belief if a check were to try to go through, and funds were not available, the check would be returned. I had a check to a payday loan ( should have been returned and they said I could do a payment arrangement when it was ). The bank paid the check, over drafting my account XXXX. This caused me to get XXXX I 'm return check fees, and additional fees because the acct was overdraft. I called and was told, " we can pay anything we want, we wo n't do a pay, ent arrangement, you can not pay it and we will eventually turn it into collections, in the meantime you will contain to get fees. '' So basically the bank can choose to pay a check and them collect XXXX of dollars in fees!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and I am dealing with a really aggressive case. I just received 3 notifications regarding things were added to my report that shouldnt be there. I attempted to dispute the information online but the portal no longer gives me an option to dispute. I made an error on the last CFPB complaint within the documentation so I am sending it again. Please advise that this is NOT a duplicated complaint. It is an updated complaint. The previous complaint should be disregarded.
Product: Debt collection

I received a letter from Spire Recovery Solutions regarding a debt with a XXXX and reference number XXXX. I have no knowledge of this and have never done business with this entity. They did not provide any supporting documentation. They also do not give you the proper means to file a dispute. They only accept disputes by calling them or by creating an account with them and sending a dispute through their portal. I am formally disputing this item through the CFPB, and I ask that this company stop calling and sending emails, text messages, etc. Please provide the original agreement with proof i actually signed the document, all payment documents ( i.e. proof of payments from my account, authorization to collect on this debt ). This is identity theft.
Product: Student loan

I have been trying since XX/XX/year> to CHANGE MY DUE DATE. I can NOT survive with the payments being due at the end of the month. I have written once, they told me to call. I called they told me it was processed and it would take 3 months. I waited 3 months it did not work. I called back and spoke to multiple supervisors who confirmed it was not done properly when I called the first time. They assured me it was newly processed and it would take another 3 months. They did not do it. I filed a complaint with you guys and Mohela 's response is they are working on it. I'm sorry but NOT THEY ARE NOT. Excuse my language but I'm about to XXXX snap. I have over an 800 credit score and do not mind making the payments but if this dog XXXX scam company is going to continue to XXXX me I will tank my credit and these XXXX can come after me through the legal system. I have NEVER in my life had a problem changing my payment due date, with any company, ever in my life. I am unsure if you guys are running defense for them and allowing this to take place but I would REALLY appreciate it if someone can take some XXXX responsibility and CHANGE MY XXXX DUE DATE. XXXX XXXX, I'm not asking to move a mountain, just simply CHANGE MY DUE DATE. What in the XXXX do I need to do, I'm getting to a point where I am about to XXXX snap.
Product: Mortgage

In 1996, XXXX I was a first time home buyer and I was forced to pay PMI because I did not have enough money down. The address of my house is XXXX XXXX XXXX XXXX XXXX ca XXXX and the lender was American Corporation.