23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been on an Income Based Repayment Plan ( IBR ) since XXXX. In XX/XX/XXXX I received notification that my student loan monthly payment amount would be changing, from Navient my student loan servicer. The new payment amount was increasing to {$700.00} a month, beginning XX/XX/XXXX. I made the XXXX payment on time and submitted an Electronic Income Driven Repayment Application on XX/XX/XXXX to assess the reduction of the monthly payment amount. On XX/XX/XXXX I received notification from Navient they were not able to approve the IBR request stating " Based on the documentation you provided, your financial circumstances do not meet the federal definition of partial financial hardship required for Income-Based Repayment. '' On XX/XX/XXXX I called Navient and spoke to customer assistance to inquire what repayment plan I was currently on. I was informed I was on the IBR Plan. Confused as to how that could be, since I received notification from them a month prior that I was denied approval of the IBR plan, I asked how my monthly payment was calculated. I was informed it was calculated based on the IBR application I had submitted. I advised them I was denied for the IBR and would like an explanation of how my monthly payment was calculated. I was then informed it was calculated based on a standard repayment and I would be paying {$700.00} for 153 months and {$360.00} for 63 months. I asked what year I would be eligible for loan forgiveness, after having paid 25 years on the loan and was told in the year XXXX. I then asked if I were to change to a Standard Repayment plan what year would I have my loans paid off, since my monthly payment was calculated based on that plan type anyway, and was told in year XXXX. 

I then asked very pointedly " Why wouldn't you inform your customers previously on an XXXX plan, whom were denied after reapplying, that they would pay less overall by changing to the standard repayment plan, since you are calculating their payment based on the standard repayment plan anyway? '' If I were to stay on the XXXX plan, even though I was denied, I would end up paying an additional 48 months, equating to {$17000.00} MORE than what I would pay if I moved to a Standard Repayment Plan. 

Navient is not looking out for the best interest of their borrowers. They are being deceptive in their practices by not providing thorough information to their borrowers, which in many cases will result in the borrow paying more money than necessary on their student loans.
Product: Debt collection

My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.
Product: Credit reporting or other personal consumer reports

FTC REPORT NUMBER : XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX Name XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.
Product: Credit reporting or other personal consumer reports

1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$XXXX} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 
3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.
Acima 
XXXX  causally
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a loan through State Farm Bank XX/XX/XXXX. I have since provided all the required documentation they 've asked me for. I also paid to have an appraisal on my home. I locked in my rate for 60 days. 

Now, I am on my second appraisal, my lock has expired a few times and I have had to re-end them additional documentation and still do not have answer as to whether my loan will close soon or not.
Product: Credit reporting or other personal consumer reports

The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have inaccurate information and I submitted a dispute over 30 days ago, information came back verified and it has been 30 days since I asked for proof of verification and still have not heard anything.
Product: Money transfer, virtual currency, or money service

This is for the transactions of {$550.00} labelled as " Debit Card Purchase - XXXX XXXX XXXX XXXXXXXX XXXX '' and {$500.00} labelled ad " Debit Card Purchase - XXXX XXXX XXXX XXXX XXXX XXXX ''. There are some discrepencies that Capital One ignores when they reviewed my case. These purchases were not done by me. These were forced by a third party screen sharing app that hacked my phone. Both transactions were made within minutes of each other. Capital One said it was by the same person. The transactions were made in separate IP addresses. I brought this up and I was ignored.

Please check the IP addresses in the PDFs I attached on page 4. This is a clear case of hacking and theft. Capital One refuses to take responsibility for this. 

Also please note this is separate from my previous complaint. Thank you.
Product: Money transfers

On XXXX XXXX, 2016 I submitted a bill payment for {$990.00} to a merchant through the reloadit safe ( www.reloadit.com ). When setting up the payee information, I entered the wrong account information. When the payee received the payment they could not match the account number and returned the payment to Reloadit ( through Reloadit 's vendor XXXX ). I have been trying to work with Reloadit and their parent Blackhawk networks since that time to get a refund. On XXXX XXXX I was told that the case had been resolved and they would mail me a refund check in 30 business days. After several follow up calls, on XXXX/XXXX/16 Blackhawk said they would resubmit a ticket and it could take 30 business days to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have disputed account : XXXX & XXXX  opened 1 investigation each both removed : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX '' as fraudulent along with supporting documents. 

Equifax performed 3 investigations and results account was verfiied. 

However, XXXX  & XXXX  performed 1 investigation and has removed account : " XXXX XXXX XXXX XXXX XXXX {$850.00} {$500.00} 170 % Revolving Negative XX/XX/XXXX ''
Product: Debt collection

this company has had copies of all my police reports, drivers license, ssn and has already removed their collection once before. now they are back on my credit report and they know its Fraud and refuse to remove it. they should be sued.
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 sec 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has all cause a drastic drop in my score and unwanted hardship Im a time of need I deserve better I earned it no matter what the reporting is showing
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from indigo platinum credit card from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. Indigo credit card continues to violate the law by posting incorrect information on my credit report.
Product: Credit card or prepaid card

Behind on a payment that is now 22 days late.. since Monday XX/XX/2021 I have received 27 calls. I called months ago about help with this balance and credit card that was accumulated over the period of the pandemic as my job suffered greatly not being able to travel and companies not wanting to spend money for fire life safety. They told me on the phone when I called customer service, there was nothing they could do to help!. They had no programs or anything, then asked if there was anything else they could assist me with. Thats why I am very dissatisfied with this company.As soon as I can pay this credit card off, I will be canceling this XXXX card and never doing business with Citi again XXXX 

When I did answer a phone call from Citi bank, it immediately hung up. They called again and I answered, it just hung up. Looking/listening to the voicemail, it was an automated phone service. This is why I feel Citi bank is violating the harassment/abuse federal laws.
Product: Debt collection

on XX/XX/ I was notified of a collection on my credit report from XXXX, stating Credence Resource Management LLC has flagged my account for collection. I'm unaware of this issue and it is not my debt. Therefore, I sent out debt validation letters ( certified mail ) to XXXX and XXXX to verify this alleged debt because I don't have any information on this company, nor do I have information on who the creditor is.
Product: Credit reporting 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 a payment on a credit account under an open consumer credit plan as late for any purpose. 


CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) CAPITAL ONE : ( XXXX - XXXX ) - XXXX Payments missed reported Different Account CAPITAL ONE : ( XXXX - XXXX, XXXX, XXXX ) - 3 payments missed reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  : ( XXXX - XXXX, XXXX ) - 2 payments missed reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX XXXX XXXX - 2 payments missed reported
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Security Credit Services Address : XXXX XXXX XXXX XXXX, XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear SECURITY CREDIT SERVICES I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint i advised Experian of the Identity theft that has occurred and advised them of this information, as well as provided a FTC Law Enforcement Affidavit that was sent to the XXXX PD as well. When my wallet was stolen over two years ago my information was used and there were accounts opened fraudulently in my name. Not only were these Banks notified, Experian also stated they blocked the incorrect information from reporting. I still show the Credit Card from XXXX  XXXX XXXX displaying on my Experian report. This is a fraudulent account, i never opened this account nor did i receive any benefit from this account nor did i ever receive a card from them. Additionally Experian advised me in my previous response that they have complied and have followed the FCRA Requirements per my Identity theft documentation and proof to block these accounts. They did block one of the XXXX XXXX XXXX Cards, however they did not block both. Like i stated, additionally there is an inquiry from XXXX XXXX XXXX from XX/XX/XXXX, that i did not authorize nor apply for any credit with that i wish to be blocked. Additionally there is an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX which i did not authorize nor apply for and they stated they didn't pull credit since my report was frozen. Please block these accounts and update me once its been blocked with a new copy of my report as well as the inquiries.
Product: Credit reporting or other personal consumer reports

My credit report has been shared without my permission. Can you resolve this matter as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im order for there to be truth in lending and for me as a consumer to be able to get the best financial opportunities in the markets, CONSUMER REPORTS SHOULD BE 100 % ACCURATE
Product: Credit reporting or other personal consumer reports

I was victim of identity theft on XX/XX/XXXX i am going to supply you local police report and online identity theft report.Somebody stole my identity they open up some credit card accounts some telephone accounts.They are damaging my credit and they are not my accounts.Here are the details of negative items 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 late payment XX/XX/XXXX, XX/XX/XXXX. 
I need your help to remove these negative accounts from my credit report. I need to buy home very badly. I can not get mortgage because of these negative items.
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 confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions. 
15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Product: Debt collection

THIS CAPITAL ONE AUTO FINANCE IS CLOSED ENDED AND CHARGED OFF AND XXXX  AND XXXX  CONTINUES TO UPDATE THE REPORT. THEY CAN NOT HAVE LATE PAYMENTS, PAST DUE, NO LIMIT, NO PAYMENT STATUS AND NO BALANCE UPDATED AFTER CLOSED THIS IS A VIOLATION. 
XXXX  XXXX XXXX XXXX REPORTING THE SAME ON XXXX  XXXX XXXX REPORTING LATE AND WAS NEVER LATE BUT THE REPORT SHOWS PAID AS AGREED THIS IS A VIOLATION NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX-CLOSED ACCOUNT ON XXXX  DIDN'T BELONG TO ME AND THEY WONT PROVIDE ME ANY INFORMATION THAT THIS BELONGS TO ME. I HAVE SENT TO XXXX  A SIGNED AFFADAVIT AND THEY STILL SAY THIS BELONGS TO ME AND WILL NOT PROVIDE ME ANY PROOF OR DOCUMENTATION
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Wakefield and Associates calls me daily and I have repeatedly told them this is not the correct phone number for the account. The address and birthdate they have is not mine and have asked them to remove my number yet they continue to call.
Product: Vehicle loan or lease

Need accurate information for payoff date of my loan from consumer portfolio services. Why is CPS ripping off loyal customer!
Product: Debt collection

I checked my credit report on XX/XX/XXXX I reached out to the original creditors and I also disputed the inaccuracies with XXXX, XXXX, and XXXX. XXXX  reached out to me XX/XX/XXXX saying it was verified as accurate m. I never received any proof of the accounts being mine.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX  XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , {$2300.00}, ask  XXXX   XXXX   XXXX  to removed this off my credit report because account is pa st 7 years old.   XXXX   XXXX   XXXX  said to me call Credit Bureaus.
Product: Debt collection

VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME
Product: Debt collection

There is an item on my credit report under the company Creditors Bureau USA. This item is showing a balance of {$750.00} and a date opened of XX/XX/XXXX. I have made multiple attempts to contact this company to the address listed on my credit report XXXX XXXX XXXX XXXX, CA XXXX. I am not clear as to what this account is for, I have not received any verification documents from the original creditor, and I also do not know whether or not this debt collector is licensed, or has applied for a license, per the Debt Collection Licensing Act that took into effect XX/XX/XXXX.
Product: Credit card or prepaid card

Capital One XXXX XXXX- Capital One replaces card XXXX after dispute over unauthorized recurring charges from XXXX for {$15.00} but then proceeds to transfer recurring unauthorized charges to new card XXXX -