23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a notice and phone calls about a delinquent XX/XX/XXXX student loan payment from Navient. Then received a notice from my bank about being charged a {$25.00} fee for insufficient funds. On XX/XX/XXXX, I logged into my account on the Navient website and selected the Autopay tab. Under that tab, it offers the option to add another bank. I added a new bank, and attempted to delete the old account, but deleting the old bank account was not an option. The Navient website prompted me to select the bank account that was to be used for " future payments. '' I selected the new bank account and confirmed that it was the account that would be used. Fast forward to XX/XX/XXXX and I received two notices by mail from my old bank for {$25.00} each for insufficient funds due to Navient attempting to pull my XX/XX/XXXX payment from my old account. On XX/XX/XXXX, I both log into my Navient account and call Navient, to make a payment, inquire about how to get them to auto debit the appropriate account, and request a refund. The Navient customer service rep tells me there 's an additional step that needed to occur to remove my old bank and add the new bank for auto debit. I explain to her that during my first attempt to correct the situation on XX/XX/XXXX, that was not clearly posted anywhere on the website, and that due to the instructions given by the site I was lead to believe that I had done all that was needed to keep my account current. I requested the refund for the {$50.00} I had incurred in insufficient fund fees from my old bank and was placed on hold several times for her to confer with her manager. When she finally returned, I was told that my request for the refund had been denied. I asked to speak with a supervisor and again was placed on hold multiple times while the rep attempted to find a supervisor. When I finally spoke with a supervisor I was informed that they did not believe that Navient had committed a servicing error and that he did not have the authority to authorize a refund. I asked if I could speak with someone who did have the authority and he stated I could upload my bank documents and the processing team would assess the situation to determine if they would grant a refund. I stated that the bank documents only demonstrate that I was charged fees and do n't offer any explanation for the website being misleading. He stated he would make a note in my account of the situation. I stated that I did n't believe that to be a fair or accurate account due to him not believing my account of the situation. He again stated he believed that it was unclear as to what bank account was being pulled from, but that it was n't a Navient servicing error. I asked again for a direct contact on the processing team so that I could give my account of the situation and he only gave the general mailing address and fax number. I expressed my disappointment and the inconvenience at losing the {$50.00} fee and was told that if the processing team decided to grant my request that it would take at least 10 days before they reviewed my claim, and then 6-8 weeks if I was granted the refund.
Product: Debt collection

This debt was sold to a debt buyer, however ; the original creditor continues to report and attempt to collect on it resulting in duplicate entries on my credit report for the same account. Since the debt was sold to a third party collection agency, the original creditor does not have a right to engage in debt collection efforts.This is my final attempt to resolve this issue outside of litigation. IF you fail to remove this item from my report within 14 days I will pursue a civil suit for your debt collection violations. Please see attached claim that will be filed on  XXXX / XXXX /2017   with the  XXXX   County Courthouse.
Product: Credit reporting or other personal consumer reports

" I am a victim of Data Breach and Identity Theft.

Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XX/XX/XXXX I am originally from the state of XXXX  and in XXXX I took a job in the state of XXXX. When I arrived in XXXX  I became a XXXX XXXX  phone customer. I was in the XXXX XXXX in XXXX  I wanted to update my cell phone, the salesman at the kiosk showed me a nice phone and told me he could get me a good deal on service. The service would be with XXXX and he would give me a deal on the phone he was showing me. There was an issue porting my number from XXXX XXXX, I started the paperwork to switch to XXXX and picked out the phone. I told the salesmen I needed to go to the food court and get something to eat while he worked on porting my number. I went to the food court and I decided at the last minute not to get the phone or the service. I never went back to the kiosk and I never finished the paperwork.

I found out later that the salesman finished the transaction and stole two XXXX. He also opened lines of service with XXXX in my name. I went to the XXXX XXXX that was in the XXXX mall and talked with the manager ( XXXX XXXX ). I also spoke with the District manager XXXX XXXX and they told me that the salesman at the Kiosk was not a direct employee of XXXX that he was a contract employee and they had no proof that he stole the phones. They said if he sells the phones on the internet they would not be able to find them. They told me if he uses the cell phone lines he opened they could easily track the phones. I went to the XXXX XXXX police and filled out a police report because this person used my information to open cell service with XXXX and he stole two XXXX 
When I moved to XXXX  the only place I could afford to live was in the canyons or in the mountains. There was no cell service or internet service so I did not check my credit report the entire time I was in XXXX. I lived in XXXX  approximately three years. I checked my credit report XX/XX/XXXX and that is when I see that XXXX reports that I owe them over {$2000.00} dollars. I was never a cell phone customer of XXXX and I never bought phones from them. I called XXXX and asked them about all of this, they told me this account was old and was sold to XXXX XXXX XXXX for collection. I asked XXXX if the phone lines that were opened were ever activated. They said the phone lines were opened but never activated. 
I called XXXX XXXX XXXX and spoke with XXXX ID # XXXX and told him what happened and I asked them to open a fraud investigation. He said he would open a case and he needed copies of my documentation. I am enclosing copies of my documentation to aid in this investigation of fraud. 

Equifax is still reporting this fraud even though XXXX  and XXXX  already took this fraud off my credit report. Equifax needs to delete this fraud from my credit report immediately.
Product: Mortgage

Their website is broken and they are not responding to requests to fix it. The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.
Product: Debt collection

While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
Product: Checking or savings account

My back was lost during the early hours of XX/XX/2018. When I awoke and checked my account online I found that it was overdraft. I thought it was my fault. I decided to rush to the bank to make a deposit to cover the overdraft fee and thats when I realized my card was missing. I went to my branch to report my card missing and make the deposit. The teller told me she was de-activating the missing card and she re-issued a new card. I deposited XXXX into the account at the same time. Later that evening I checked my account and found that the deposit that I made was gone and the account was back in overdraft due to fraudulent charges. My pin had been obtained and I have no idea how. I immediately called customer service and they informed that the teller had not de-activated the lost card like she claimed. I filed a complaint which was denied and I re-filed a second complaint. The bank is not taking responsibility for the employee 's error. They are trying to hold me liable for the overdraft fees and I refuse to pay for charges that I didn't incur. I desperately need outside help to resolve this matter.
Product: Checking or savings account

Please excuse my absence of exact amounts and dates at this moment, however I have a diary with full details of every conversation and date & every amount. 
My son recently passed away, and I provided all documents needed, however due to the nature of his passing I had to leave town and asked for this to be expedited as the funds were needed for this to happen. Approximately {$20000.00} When working with the estate claim department at direct express, confirmed the receipt of all documents required, as well as XXXX XXXX XXXX 's XXXX XXXX XXXX. Direct express, was dragging their feet & my life became more in danger sitting waiting. After being placed in a safe house briefly, and finding by phone call on a Friday at XXXX by a colleague of the estate claims rep. that I had never been in contact with before, to " give me the message '' they were transferring my money to social security. I stated I do not authorized this transfer as estate administrator for this account. However the person hung up. I've been in contact a few times with direct express overseeing bank or Comerica even speaking with the VP, however when I asked her to pull the calls to prove I didn't agree with this transfer of my funds, she no longer returned my calls. I put in many calls through the customer complaint line, having asked to be sent directly to her as she no longer is answering or returning my calls. This money had been sitting in this account untouched waiting for the me to use for the escape from XXXX. These people are responsible for paying me back and then some
Product: Debt collection

On XX/XX/17 I sent a letter via certified mail to Credit Management , LP. It was received and signed by someone from the company on XX/XX/17. In the letter I was requesting validation of a debt that was listed on my credit report for Acct # XXXX. In the letter I also requested from Credit Management : the agreement from the company they are collecting for showing that authorizes them to collect on this alleged debt, the agreement that bears signature of the alleged debtor wherein promises to pay the creditor. Complete payment history on the account to prove that the debt amount is correct. I have yet to receive a response or documentation verifying the debt from Credit Management , LP since requested over XXXX days ago.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX loan of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX XXXX  Collection amount of {$1000.00} XXXX XXXX Credit Card Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter.
Product: Debt collection

I have called several times and left messages but no return calls. Was not notified about this debt and not sure if mine.
Product: Mortgage

In XXXX of XXXX I applied for a FHA home loan with JPMCB JP MORGAN CHASE BANK. In XX/XX/2021 I finally heard from them. After waiting several of months to get back to me, they proceeded to run my credit and told me I did not qualify for any loan even before my credit was ran. I asked about the fha and fhaXXXXk programs that would have catered to me but was denied without an explanation. I did not receive a letter for reasoning but it was placed on my credit report without my expressed permission. In fact, I strictly asked them not to place it on my credit report if we werent going to have a relationship on this subject. This damaged my score and hurt my financial profile greatly. This was a violation of my consumer rights, as you know it is illegal to cause an adverse action because of a mortgage and/or trade line based on credit score or insufficient income per 12 usc 202.9 its illegal to give vague reasoning and not notify the consumer of reasoning behind denial per TILA, FCRA, and ECOA. When asked to remove the trade line off of my consumer reports, I was denied and had to hash it out with the bureaus which are truly just credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my Transunion and XXXX reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with Transunion and was advised the information they are reporting is correct. I have received zero information from Transunion or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that Transunion and XXXX have allowed on my credit.
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 listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}
Product: Credit card or prepaid card

Purchased an appliance at Home Depot in XXXX, Utah for just under {$1500.00}. Salesman suggested I open a Home Depot Credit Card to save 10 %. Transaction and credit card application went smooth. I was told the delivery date due to covid was 10-12 weeks. 

4 weeks later I get a bill from Citibank Visa / Home Depot credit card. They first payment is due. The only problem is I do not have the appliance yet and wont for another 6 weeks. I contact Citibank and express the details to them. They let me know that company policy is to start collecting the moment the sale goes thru, regardless of delivery time. This does not make sense to me - I do not have the product. After arguing fro 10 minutes with the first 2 reps and a supervisor they insist I pay the first payment or they will add on interest and late fees. I refuse to pay. 

2nd month bill comes in and sure enough, interest and late fees are now on top of the appliance cost. I call again and they tell me the same story. I contact Home depot and they tell me their is nothing they can do as once they sell it Citibank takes over. 2 more weeks go by and the appliance shows up with a big dent in the front door. The delivery company loads it back up and takes it away. Another 12 week wait. I call Home Depot and cancel the order.

3rd month bills comes to me from Citibank / Home Depot and the initial appliance amount of {$1500.00} is gone but the interest and late fees are still there. I have continued to receive a bill every month since with more late fees tacked on and more interest added on. Now they have dropped my credit score by 100 pts and persist to call me at least 5 times a day - yes 5 times a day. How is this possible for something that I never even had in my possession for 1 second???
Product: Checking or savings account

On XX/XX/ my Wells Fargo debit card was lost to me and used at multiple locations without my permission. The charges were varied and mostly consisted of ATM withdrawals in various amounts from {$1200.00}, {$420.00}, and {$260.00}. My phone was also stolen for a period of time and someone was able to use my bank to commit further fraudulent transactions through XXXX XXXX totaling {$1700.00}. I contacted my bank immediately after I became aware of the situation and promptly filed disputes and shut down that card. As of XX/XX/ I was told that my claim was denied due to Wells Fargo concluding the transactions were valid.
Product: Credit reporting or other personal consumer reports

This complaint addresses violations of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX, Privacy Act of 1974 ( XXXX XXXX. XXXX ), XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and other consumer protection laws by XXXX XXXX XXXX XXXX and associated XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, TransUnion, and XXXX. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

XXXX XXXX  and XXXX XXXX 1. Unauthorized Reporting ( XXXX XXXX XXXX XXXX ) : XXXX XXXX. XXXX : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
XXXX XXXX. XXXX : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
XXXX XXXX XXXX XXXX XXXX  ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
XXXX XXXX XXXX : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX failed to comply with this requirement. 
3. Privacy Act of 1974 ( XXXX XXXX. XXXX ) : XXXX XXXX XXXX XXXX XXXX disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( XXXX XXXX XXXX  ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( XXXX XXXX. XXXX ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( XXXX XXXX. XXXX ) : Chases willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX XXXX XXXX has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under XXXX XXXX. XXXX and other consumer protection statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/year> I was notified by XXXX that my scores decreased. When I logged in, I saw a collection of debt that isn't mine. It's for {$220.00} from Credence Resource Management based out of XXXX, TX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX and their phone # is XXXX. It was opened on XX/XX/year> and the account info listed is # XXXX. I will be calling them along with XXXX, XXXX and XXXX to get this resolved after I submit this. 

This happened to me a few months ago with XXXX other utility companies in Texas and have been removed since then.