23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

NAVIENT has been incorrectly reporting the original delinquency dates for two ( 2 ) old loans. 

I have contacted them multiple times over the past 2 years, showing them a letter from the Department of Education stating that the reporting period for these loans has expired, the history from the XXXX XXXX XXXX XXXX XXXX showing that their account information is incorrect. The customer service department for NAVIENT even found the original date of delinquency, and provided me with a letter regarding it. Despite this, the NAVIENT credit reporting department ( separate department with no phone support whatsoever ) has still not fixed the problem with the three bureaus. I've disputed the information over 12 times in an attempt to fix the issue. 

Most recent disputes : XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) XX/XX/XXXX - XXXX  ( redispute ) I sent a  certified letter straight to the NAVIENT credit reporting department on XX/XX/XXXX as a last resort. I received a generic canned message saying that " the information they are reporting is accurate '' despite the information I provided them stating otherwise.
Product: Debt collection

It all started in XXXX A judgement from an apartment complex. The collections representatives are very used, unprofessional verbally and mentally abusive. I have been trying to payoff or settle the debt for XXXX years. Every time I speak with the representative she start arguing and yelling at me or arguing with the people in my background who have nothing to do with our conversations. Their calls are monitored and recorded. If you pull every call you can hear how rude they are. Over the past 4 years they never attempted to verify my information before speaking about the amount I owe. On XX/XX/XXXX I called the collection agency with someone I call my sister. I gave them authorization to speak with her. She ask them for a settlement iao {$800.00}. The representatives said she doesnt want to give me a settlement because of past conversations, where they offered me settlements, and I never excepted their offer. I advise the representative. I never received a settlement offer in writing and I havent received anything in from them writing pertaining to this debt. My sister asked to speak with a manager since the representative stated she didnt want to give us a settlement. The representative started playing on the phone ( laughing, giggling ) while putting us on hold 3 times. When the manager came on the line and stated that the representative never mentioned a settlement offer to her. The manager started yelling at my sister because she asked to speak to a supervisor above her, then the manager started screaming that she refuses to speak with my sister etc.. 
On XX/XX/XXXX I called to request a letter in writing with the companies letterhead and a physical address so I can mail a check. Representative said she cant provide me a letter with the companys name on it or the physical mailing address, she can only send an itemized bill. I told the representative I am her consumer, and if shes attempting to collect a debt, I need to see a letter in writing. The representative said, I am not her consumer. XXXX XXXX is her consumer ( Original Creditor ). I advised the representative that her companies website seems like a scam. The website states theyre charging you {$20.00} convenience fee and then it asked for you all your personal information without telling you what you owe or what youre paying for. I dont understand how they are even licensed to collect any debts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with XXXX, XXXX and Transunion I was told the steps that I needed to take to have these 2 fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.
Product: Credit reporting or other personal consumer reports

I did not instigate these inquiries and have suspicions of their fraudulent nature.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX  Account- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations. INVESTIGATION RESULTS- DELETED : The disputed items ) was removed from your credit report. ) ( In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Between XX/XX/2024 and XX/XX/2024, your credit card account with XXXX XXXX XXXX XXXX XXXX XXXX  was removed from your credit report. )
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance to 15 USC 1681s-2 they must furnish accurate information and update information that is inaccurate. When I observed my credit report on XX/XX/year>, I noticed incorrect balances. The XXXX XXXX Account # XXXX balance showing on credit report is {$1600.00}, this balance is inaccurate. The XXXX Account # XXXX balance showing on the account is {$400.00}, this balance is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXX XXXX Dated Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I initiated a {$2500.00} transfer from my Capital One 360 Savings account to an external account on XX/XX/XXXX. As of the writing of this complaint, XX/XX/XXXX at XXXX XXXX PST, I have not received the funds into my account. I sent a message via XXXX after attempting to get through on the bank customer service phone line. ( High call volume ). The response via XXXX indicated that transfers to external accounts take two business days ( it has now been 6 business days ).  I was told to initiateI a secure chat through an online session. The result is that I am being told to wait ANOTHER TWO business days to research the issue with no direct point of contact for follow-up. 

This is not the first instance of this occurring. In the last instance my account overdrafted due to the delay in funds transfer. I have a credit bill due TODAY for which those funds are needed with another bill due tomorrow. I initiated the transfer with sufficient time ( per XXXX message the standard is two business days ). 

While they are " researching '' the issue, they have not provided a direct point of contact, issue # or service agreement that I will receive any communication in response to the research. 

I have had multiple investment accounts and savings accounts with Capital One for 10 years and this level of service shows a blatant disregard for customers. 

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

XXXX XXXX XXXX sold info to a non affiliate third party XXXXollection resources company. That is considered identity theft, I don't believe that First point collection have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Checking or savings account

A withdrawal for {$2500.00} is repeatedly being made from two of my checking accounts. I opened new checking accounts and the same thing is happening with the new account. The name is " XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

Freedom Mortgage is saying my payment is late and not been paid however it has been paid. It brought my credit score XXXX XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, due to negligence, has leaked my personal information. I have attempted to contact Equifax to free my credit, and they only seem to be interested in SELLING me credit monitoring services. It is completely unacceptable that Equifax is going to be able to PROFIT from their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX  AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX  AND XXXX.
Product: Checking or savings account

I tried to resolve this issue with XXXX and XXXX was told I authorized the charges. 
This company has been drafting my bank account since XXXX. 
I do not use merchant services and have not used merchant services since early XXXX. 
I had ordered services from another company and returned the equipment when their server would not connect because I use XXXX. 
When I called Paysafe I was not told what company they represent. But they would send me a cancellation letter through docusign. The docusign did not go through. 
I know they purchased my information from another company probably XXXX because that is the company I used. Paysafe has drafted more than {$2000.00} from my bank. 
The mercant account listed is also missing the last number, a XXXX. XXXX of the paysafe employees gave me the number. He advised he should not have given it to me.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear SOUTHWEST RECOVERY SER, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), XXXX ( a ), and the XXXX XXXX XXXX under Sections XXXX and XXXX, as well as XXXX XXXX XXXX XXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that SOUTHWEST RECOVERY SER has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section XXXXb ( a ) ( XXXX ), consumer consent is a legal prerequisite for such activities. 

Furthermore, Texas law under Section XXXX of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX XXXXXXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for SOUTHWEST RECOVERY SER to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that SOUTHWEST RECOVERY SER immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section XXXXb ( a ) ( XXXX ) and the relevant provisions of the XXXX XXXX XXXX ( Sections XXXX and XXXX ). If this issue is not resolved within XXXX days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX  XXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring SOUTHWEST RECOVERY SER into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that SOUTHWEST RECOVERY SER will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$1600.00} THIS ACCOUNT IS NOT MINE I MAILED A IDENTITY THEFT VICTOM COMPLIANT AND AFFIDAVIT, XXXX AND XXXX   ALREADY REMOVED FROM CREDIT REPORTS JUST EXPERIAN IS HOLDING ON TO THIS ACCOUNT, I WANT THIS ACCCOUNT DELETED OR REMOVED FROM CREDIT REPORT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXXXXXX  I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.
Product: Credit reporting or other personal consumer reports

I am writing to formally address and request immediate action regarding the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX  and the credit reporting agency. The specific violations are as follows : 1. Violation of 15 U.S. Code 1681s-2 : It has come to my attention that any payments during the COVID-19 pandemic are required to be deferred or forgiven. Despite this, my credit report reflects payments that were neither deferred nor forgiven, which is a clear violation of the law. 
2. Violation of 15 U.S. Code 1681 ( 4 ) : I have a right to privacy, and if I consider my payment information to be private, it must be deleted from my credit report. I hereby request the immediate deletion of all payment information from my credit report. 
3. Violation of 15 U.S. Code 1681 ( a ) : Any transaction between myself and the creditors is required to be excluded from my credit report. I request the immediate exclusion of all such transactions from my credit report.
Product: Consumer Loan

I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. 

I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. 

I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. 

I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.
Product: Debt collection

Affirm is attempting to collect on a debt which was paid using XXXX XXXX installments, order ID is XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az, XXXX 15 U.S. Code S 1681c~2 An consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting fromidentity theft, to prevent thatperson from refurnishing such blocked information. 
Capital one account should not be furnished on my consumer report as there in VIOLATION of 15 U.S. Code S 1681c~2 permissible purposes of consumer report ( A ) IN GENERAL to subsection ( C ) any consumer reported agency may flourish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions consumer to whom is related I never gave any consumer permission to report anything on my consumers report which is the violation of my rights no consent is identity theft as a consumer Im demanding a delete account, listed below immediately! 

Capital One Quicksilver Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Adverse account reporting incorrectly on credit report.