23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the years I have begged my student loan lender, Navient, for help with repaying my loans, particularly during times when I was out of work. There was no help, all they kept telling me was that there was nothing they could do. Even if I was a few days late with a payment, I would get multiple calls throughout the day, from early in the morning to late in the evening. The calls and lack of options significantly added to my XXXX levels. I have complained repeatedly that my balance never seems to go down even though I continued to make payments. I would be transferred to different reps who most of the time seemed as if though they were just telling me anything because they could not understand it themselves. I often felt hopeless and hurt. I borrowed {$11000.00} XX/XX/XXXX and now XX/XX/XXXX my balance is still {$9600.00}. I do n't understand and from all of the conversations with customer services asking for clarity, I came to the conclusion that I was not only screwed, but that there was no one with the company that pursued resolve and was genuinely interested in helping me. Learning about this site as a resource brings me some relief and I surely hope all that is just will come out of this terrible situation.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit card or prepaid card

I am a XXXX Consumer I am a victim of Ideninity theft, Mail fraud and No Access to this banking. Creditcard account I have unsuccessfully tried to report a replacement card stolen or never delivered 5 times I am required to enter a text or email code I physically am unable to do to GET VERIFIED and if I am not verified I can not report the stolen/ undelivered card I AM AT GREAT RISK I CAN NOT GET VERIFIED TO GAIN ANY ACCESS I AM TRYING TO PREVENT MORE FRAUD I HAVE NO ZERO LIABILITY PROMISED BY USAA THAT IS EXTENDED TO ABLE BOBY MEMBERS MY CIVIL RIGHTS ARE DENIED AGAINST MY XXXX** XXXX ELDERLY VUNERABLE AMERICANS ARE TARGETED WITH ** NO PROTECTION
Product: Credit reporting or other personal consumer reports

I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a report with the FTC XX/XX/2021 ( FTC Report Number : XXXX ) listing all accounts, inquiries and addresses that do not belong to me sent via XXXX XXXX mail with Experian ( tracking # XXXX ), XXXX ( tracking # XXXX ), and XXXX ( tracking # XXXX ) on XX/XX/2021. It has been more than 30 days and they have completely ignored my letters.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.
Product: Vehicle loan or lease

To Whom it May Concern, Thank you for taking the time to review my complaint. The responsible party is Ally Auto. 

For over a month, I received 3+ phone calls a day ( starting at XXXX XXXX sharp ) regarding late payments due to a change in my employment situation. I repeatedly engaged with Ally reps on the phone and communicated my situation thoroughly, even making smaller good-faith payments to demonstrate my commitment. This did not stop the repeated phone calls to both myself and members of my family who are not at all involved with the loan. 

This caused a great deal of stress and hardship and Ally should be held accountable for this. I have a screenshot of an example day of harassment with the multiple phone calls I received. You will see that one morning, they called me 3 times before XXXX XXXX. In my opinion this was predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXXXX/XX/XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  - XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I have an account I am paying off with National Credit adjusters, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at National credit adjusters told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for XXXX XXXX. The number assigned to Ntional Credit Adjusters is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX
Product: Credit card

I have a Capital One Menards card. I've been a car holder for a long time. I'm signed up and verified through the automated system with email, phone number all required information for their automated systems. I never receive a bill, I never receive phone calls about my bill, I never received my bill in the email, and I've never received a bill by mail because my mailing address is non-deliverable. 

I've contacted Capital One multiple times on this issue, they're fast to issue a late payment and ding my credit, but they can never produce a bill unless I call to check my balance. It's my belief this is part of their business operations so they can make more money. 

My credit has been affected four times for the same issue. Never receiving a bill, phone calls from automated system or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield & Associates is reporting a balance of {$11000.00} on my credit report. XXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I initiated with Transunion, which I submitted more than 30 days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes out via priority mail on XX/XX/2024 via priority mail. USPS tracking states they were delivered on XX/XX/XXXX at XXXX XXXX 

I received a notice from Transunion that my investigation was in process on Monday XX/XX/XXXX, at XXXXXXXX XXXX that my investigation was 5 days in process.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like XXXX are required to investigate any disputes within 30 days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that XXXX adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If XXXX is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  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: Debt collection

AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Has fraudulently attempted to collect a debt without verification of the debt under the disguise of the XXXX XXXX XXXX XXXXXXXX XXXX Attorney at law. Amsher has placed a negative item on my credit report without ever sending me anything in regards to this matter. I have confirmed that the XXXXXXXX XXXX XXXX XXXXXXXX XXXX is not licensed in the state of Indiana to practice law. I am demanding that Amsher remove the negative item from my credit report and send me proper documentation of the debt that they state I owe. 

On XXXX XXXX I first had a phone call from XXXX XXXX XXXX at XXXX. 
On XXXX XXXX Amsher added a negative item on my credit report. 
On XX/XX/2024 I received a debt validation letter from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I have never received a debt validation letter from Amsher and have no idea who this company is. 

There has been numerous complaints on both of these companys through your agency. 


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Product: Student loan

While using Navient our payments show as being split across multiple loans. The split appeared to be mostly even ( $ XXXX {$35.00} to each loan ) however upon digging we found that for the smaller loans they would only apply {$1.00} to it. This effectively makes a {$100.00} loan go from 4 or 5 payment cycles to XXXX. We have also found that we were never notified of a deadline to resubmit our financial status by to ensure low payments but would receive a notice about how they reevaluated and what our new payment would be.
Product: Mortgage

XXXX XXXX began servicing my mortgage as of XX/XX/2019. Per XXXX, 2 payments were misapplied in XXXX and/or XX/XX/2019. My bill pay history shows that my account has always been paid in full by the XXXX of the month, which is the final date payment is due before any late fees can be applied. I was made aware of the misapplied payment in XXXX and have been working with XXXX, primarily via phone, ever since in an attempt to get the payments reapplied correctly. 

In XXXX, I was instructed by XXXX to submit a written dispute via e-mail. I submitted that dispute on XX/XX/XXXX and received a letter from XXXX on XX/XX/XXXX confirming receipt of that letter. XXXX has failed to respond to me within the federally regulated time frame. Now they are reporting late payments to the credit bureaus and hurting my score because of their error. 

I have attached both my letter to XXXX, my payment history from bank account, and my response from XXXX. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. UNDER 15-USC 1681 section 602 states I have the right to privacy. 15-USC section 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account, without my written instructions.

Under 15 USC 166 B A creditor may not treat a payment on a credit card account under an open an open credit balance as late, for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These inquiries are a result of fraudulent activity, and I am seeking to have them removed as they were not initiated or authorized by me.

The inquiries in question are : INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an account under XXXX XXXX XXXX opened in my name, which was subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions ; however, it was charged off as bad debt without reflecting any specific amount. 

On XX/XX/XXXX, I contacted XXXX XXXXXXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, to notify you of a fraudulent account that appeared on my credit report. I provided a fraud affidavit, a police report, and an FTC identity theft report as supporting documentation. Despite waiting for a response, I did not receive any communication from your team. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail , reiterating my previous communication and resubmitting the documents. To date, I have not received any response from your end regarding this matter.
Product: Credit reporting or other personal consumer reports

It saddens me to say that my rights under federal law are being violated and not respected. The law isn't being respected either, this company has been hindering information on my credit file for quite some time. Congress clearly created the Fair credit reporting act to ensure consumers were being treated equally and fair. The law states under 15U.S.C.1681 section 602A I have the right to privacy. The law also states under 15U.S.C.1681 section 604 ( a ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of to whom it relates. I have never gave any consumer reporting agency permission to furnish anything on my report. I have been a victim of identity theft and in the fair credit reporting act the law clearly states under 15U.S.C. 1681 section 605Ba consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. SEE ATTACHMENTS BELOW
Product: Credit reporting or other personal consumer reports

I have look on my account I saw some things incomplete and not accurate.According to fair credit reporting act it shall follow reasonable procedures, whenever a consumer reporting agency prepair a consumer report it shall follow reasonable procedures to assure maximum possible accuracy information concerning the individual about whom the report relate.These accounts are : -Account name is : XXXX XXXX XXXX. XXXX XXXX. XXXX -Account name : XXXX XXXX XXXX. XXXX XXXX. XX/XX/year>. Not complete and accurate. 

( XXXX XXXX XXXX XXXX card Account number : XXXX date is not reported correct, date last active, last payment not correct, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.
Product: Debt collection

I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.