23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have paid off all of my loans with Navient as of XXXX of this year. 

I previously used direct withdrawal from my checking account to pay my loans. 

After I paid off my loans and received my " Congratulations! '' statements, with XXXX ( XXXX! ) balance, I still am having the same amount withdrawn from my bank account. 

I called Navient for resolution, and they directed me to use the email interface from my login. 

However, I can't use that interface, because my accounts don't exist anymore. So I had to fight to have my complaint escalated. 

It was finally escalated ( in XXXX ), and the man I spoke to asked me to email him documentation that I was being charged. ( They couldn't look it up, because I have no account, because my accounts are closed, because they are paid off ). So I emailed him my documentation that shows " NAVIENT '' on my bank statements, taking out the same amount monthly. 

I never received a response. 

I wrote again, and no response. 

I wrote to the consumer advocate again in XXXX of this year, and here we are. 

I have now had 6 extra months of student loan payments withdrawn from my bank account. I can't stop the payment, it's a withdrawal from their end. During a pandemic they are continuing to pull money from me when I have dutifully paid my balance. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXXXX/XX/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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

They replied to my first complaint and removed the item, it is put backed on my credit file. XXXX
Product: Debt collection

I am writing to formally dispute the account listed under TrueAccord Corporation with a balance of {$160.00}, which I believe is a result of identity theft. This account is not mine, and I request immediate removal of this debt in accordance with the rights provided under the Fair Credit Reporting Act ( FCRA ) and the 15 U.S. Consumer Law.

There is no evidence or proof that this debt is associated with me, and I have not authorized any transactions related to this account. As this is a case of identity theft, I expect this account to be removed from my records promptly. 

Please provide written confirmation that this debt will be removed, and ensure no further attempts to collect this debt are made. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

my address on my report are wrong XXXX XXXXXXXX XXXX XXXX Ca XXXX i never lived in california alos this address XXXXXXXX XXXX XXXX XXXX. new XXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the sof inquires are as follows 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking over my credit report and I noticed a lot of inaccurate stuff i have been trying to get removed off my credit report by calling most of these companies. All of this stuff I am going to list, I never authorized and is fraud. I was told by a friend to come on this site and that under fair credit reporting act since i never authorized/signed any documents to run my credit with any of the following companies, this these erroneous things should be removed from my credit report on XXXX, XXXX, experian and any other reporting agency 's. All of the following hard inquries i never authorized. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If anyone has any questions feel free to give me a call as this is all false information. Thank you for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a dispute letter to Equifax asking for verification of negative items on my credit report. In that letter in enclosed a copy of my ID card and my most recent utility bill. Equifax send my a letter asking for a document with my SSN or a copy of my XXXX XXXX. Knowing that they have had date breaches in the past i don't feel comfortable sending that in the mail. They didn't not need those documents to put the items on my report. So why do i need to put myself at risk to correct it. Also XXXX and XXXX did ask for any extra identifying information.
Product: Checking or savings account

I am writing to bring to your attention a concerning issue I am facing with Square Inc. involving the holding of my funds which is {$450.00} in my savings account for an extended period. Despite my repeated attempts to address this matter with Square Inc., I have yet to receive a satisfactory resolution.

Approximately several months ago, my funds were placed on hold in my savings account with Square Inc., preventing me from withdrawing them. In an effort to resolve this issue, I have contacted Square Inc. on multiple occasions, only to be met with inadequate responses and lack of tangible solutions.

I was initially informed by Square Inc. that the funds would be released within 90 days. However, this time frame has elapsed, and my funds remain inaccessible for transfer. 

This prolonged delay in accessing my funds has caused significant inconvenience and financial strain. As a consumer, I believe that I am entitled to timely and transparent assistance, which has been lacking in my interaction with Square Inc.
Product: Credit card

Consistently, I meet my payment deadlines without fail. What puzzles me is why this particular company occasionally marks me as late, a situation that should not arise. As per USC 1666b, any billing discrepancy ought to be rectified, failing which they will owe me {$1000.00} for each account with erroneous reporting.
Product: Debt collection

On why credit bureau from XXXX XXXX i notice a collection for {$260.00} and as I review for whom I notice it was from a collection agency called Hunter Warfield Inc which I was not sent a notice of dispute although the company that owns the debt had my forwarding address which was in XXXX Fl and this collection agency took it upon themselves to place on my credit without sending me any notice nor any calls clear violation of the fair debt collection practice act which is meant to protect the consumer, all consumer not some.
Product: Money transfer, virtual currency, or money service

There was a mistaken payment to me using XXXX and XXXX, and it was refunded at the time- no problem here. I received my 1099-K from Venmo listing the transaction as something I needed to pay taxes on - no problem here. I then searched for the monthly statement that would show that the transaction was refunded- here is the problem. However, I found that the monthly statement could not be used in this manner to prove that the transaction was refunded- the ID number and the timestamp for the transaction was not the same on the tax document and the monthly statement ( in fact, the monthly statement has it occurring in a completely different month due to the timestamp inconsistency ). All I want to do is use Venmo 's documentation to show that the transaction listed as taxable ( Date : XXXX XXXX ; Transaction ID : XXXX ) was refunded. However, the monthly statement documentation ( which has the refund proof ) lists the same payment with Datetime : XXXX and ID : XXXX. This is problematic, because I can no longer use Venmo 's documents to show that the taxable transaction was refunded Without matching ID numbers and timestamps, these transactions look like completely different items ( i.e. it falsely looks like the refund was for a different payment ).
Product: Debt collection

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 or To Whom It May Concern, I am writing to dispute the validity of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including documentation that proves : 1. You have the legal right to collect this debt.

2. The amount of the debt is accurate.

3. The original creditors details.

Please note that until this information is provided, I am not acknowledging or agreeing to this debt. Additionally, I request that you cease all collection activity, including reporting to credit bureaus, until this dispute is resolved.

I also ask that you communicate with me in writing only and refrain from contacting me by phone. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Dear XXXX, - XX/XX/2016 I made a mobile deposit of a check of the amount of {$1900.00}. ( see attached copy XXXX The check is made to my older brother XXXX and was properly endorsed before it was deposited in my Account at M & T bank. 

-XX/XX/2016 funds were made available into my account total {$190000.00} -I then proceeded to write a check for the deposit for my apartment for the amount of {$1100.00} XX/XX/2016 at XXXX am, I received a call from the branch stating that the check was declined. 
I went to the branch who then explained to me that the check was presented before the funds were available, the branch then issued me a certified check in the amount of {$110000.00} I was then on my way to the rental office when the bank teller who provided me with the check called and said that I needed to return the certified check and that her XXXX posted a " hold " on my account stating that she needed clarification as to where the check was from and the needed to hear he story about the check. 

I called my brother who went with me to the branch, not only did he take his ID, he took the check to show the Branch XXXX : XXXX XXXX XXXX XXXX Vice President Senior Branch XXXX XXXX XXXXXXXXXXXX The Branch XXXX proceeded to embarrass us by speaking rudely " I need to see your ID immediately, I need to hear you say out loud that you wont deposit this check " " you need to sign on a piece of paper so I can see that it 's your signature " She repeatedly kept saying this to my brother who stayed calm and complied ... 
XXXX then continued to say that she does not know or ever heard of my brother employer ( diamond resorts international, a multi XXXX dollars publicly traded company btw ). in an effort to make her feel comfortable my brother said that he undertands how regulated her business is and that he himself had worked over a decade on XXXX ad she could google him and see that he is who he is. 

XXXX XXXX then said " fine ill release your money on saturday XXXX '' XXXX minutes later around XXXX PM XXXX called me and in her continued extremely rude tone told me that " I just googled your friend, and I dont like what I see here '', and continued to read all kinds of irrelevant private information the she said. 
" I am not going to release this money, I 'm going to hold on to it for another week so I can call my XXXX department and you will get it whenever I 'm done with my own investigation '' This is nothing more than XXXX profiling, as a result of this unprofessional woman I ca n't pay any of my bills, I lost my house and all the money I spent in the process and worst is that my money is being held XXXX .. 

I need my money back as well as compensation for all the monies I lost in the process a total of {$500.00} sincerely, XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Please see attached report
Product: Credit reporting, credit repair services, or other personal consumer reports

In ac

cordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to be
lieve that the information is inaccurate.
Product: Debt collection

This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. Glasser and Glasser needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.
Product: Mortgage

Since XX/XX/2016 I started a short sale process on an investment home I mortgaged through Ocwen Mortgage that 's also serviced by one their subsidiaries. I started the process early because my tenant notified me she decided not to renew her lease when it expired XX/XX/2016. Two days after the property was nationally listed, I received a decent offer from a national residential investor called XXXX XXXX. Incidentally, XXXX is a well-known enterprise within mortgagee/short sale circles. I was ecstatic. Moreover, I 'm almost certain Ocwen 's legal department is aware that XXXX is an established, stable, reputable corporate enterprise that has scattered offices throughout the US. Not to create a problem for my assigned Ocwen Short Sale Negotiator ( he 's great at what he does ) but I have issue with Ocwen 's short salel department demanding original signatures by XXXX XXXX members named on their articles of association. Such a request is XXXX near impossible to get from any higher echelon members in an expansive, regionalized corporation. Would it not be more efficient for everyone if Ocwen 's legal department would request actual signatures ( as opposed to e-signatures ) on " master '' document that could be renewed on a periodic basis and distributed to their negotiators to expedite this cumbersome, stressful process? It seems reasonable. Also, each week my negotiator requests new or updated documents to further delay the sale. Because of Ocwen 's inefficiencies and through no fault of my own, my house will soon go into foreclosure despite the fact that I have a buyer! The entire experience has been insane. Please help.
Product: Mortgage

I've received three letters informing me I've missed payments for specific dates. I'm constantly receiving notices of missed payments for different dates that I have already paid. This is a form of fraud and discrimination of a senior. This is the third time I have received the letter. I have attached the last letter sent to me as well as the bank statements of payments for those listed dates. 

The letter states that I've missed XX/XX/XXXX. On the first bank statement, I paid an amount of {$640.00} on XX/XX/XXXX. The letter also states I missed the XX/XX/XXXX payment. On the second bank statement attached, an electronic debit of {$640.00} was withdrawn on XX/XX/XXXX. The letter states, " Your XX/XX/XXXX payment of {$640.00} was applied to your XX/XX/XXXX payment. '' Why is there an applied payment from XX/XX/XXXX for XX/XX/XXXX when I've already paid on XX/XX/XXXX prior? Refer to XX/XX/XXXX bank statement below. The letter states, " We have no record of receiving a payment from you in XX/XX/XXXX. Refer to the third bank statement below of XX/XX/XXXX. An electronic debit of {$640.00} was taken on XX/XX/XXXX. 

The only correct date on the form I've missed is XX/XX/XXXX. I paid TWICE in XXXX to resolve that issue. The first payment should have been applied to XX/XX/XXXX and the second payment should have been for XX/XX/XXXX originally. But it was not applied. Instead, the letter shows the XX/XX/XXXX payment was issued for XX/XX/XXXX. It should have gone towards XX/XX/XXXX due to XX/XX/XXXX already paid as proven in the bank statement. And XX/XX/XXXX should have been applied for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company they told me they would close it but if an account is closed why is it showing on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened : XX/XX/06 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this company have placed a inquiry on my credit report three times in one year and I did n't authorize any of it XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and there is an account reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on this account. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

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

I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX  XXXX experian, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .