23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to the credit bureau 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 the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$66.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX XXXX : {$83.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/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 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, XXXXXXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year> : XXXX XXXXXXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my consumer report since 2020 and have been told my by XXXX, XXXX, and Experian that they have conducted verification and validation process. However, that is not the case. In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

How are they reviewing my file when a computer generator system determines the validity of letter versus human? 

Unfortunately, every time that I call them the response is the creditors information is accurate. I have sited multiple infractions from the credit agencies as far as inaccurate information to not having consent to report my information. 

Basically nothing has been done.
Product: Mortgage

I recently was notified that my mortgage is reporting 30 days late as of XX/XX/2020. This must be incorrect as I have been making on time payments on my mortgage for quite some time now. It's only reporting on XXXX and I'm certain this has to be some kind of system error.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was XXXX. I did nothing different the status even says they show no changes to my report yet Transunion dropped my score by 61 points. This is not fair and a way for this agency to assist companies in applying higher rates because of a low score. I have not been late in over three years on any of my accounts. I have not applied for new credit. I have not become delinquent on any of my accounts, and I continue to pay down my balances which most are below 30 %. There is no explanation for this drop in my score. There should be an explanation required by the credit bureaus to drop a score so significant with no changes to a consumer 's report. Please assist.
Product: Debt collection

I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) CITIZENS BANK XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with XXXX  and they found this to be Factual? Yet XXXX  has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : Citizens Bank, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to Citizens Bank/One for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I disputed a charge on my credit card because a XXXX did not performed authorized services on my pet. 

I authorized procedures to be performed, and the vet noted they did not have the right tool on hand to perform the procedure after various supportive care was already performed ( e.g ; putting the pet under XXXX  ). I was charged for XXXX  and various supportive services for the procedure, despite the procedure not being performed ( camera into dogs XXXX, XXXX XXXX XXXX, etc ). 

The bank refused to resolve the dispute, noting that because XXXX  happened, it was okay for me to be charged. 

That is insane. You would never be charged for someone putting you under XXXX  by mistake and forgetting the tools to actually perform the XXXX. The bank refused to view the dispute any other way. 


Bank of America has continually said conflicting things. Representatives said showing the invoices being charged by a new vet that showed the same procedures would be sufficient proof - but then renegged and said they needed a signed letter, but I was responsible for the balance. 

Bank of America is claiming the dispute is " closed '', but telling me to provide more information. In substance, the dispute is not closed, they are just calling it closed in form to collect the balance, despite ongoing consultations and being told to provide more information. This is evidenced by BOA having 3 versions of my claims going on under the following : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and have a few different inquires on my credit report that I did not authorize. 
XXXX. XXXX ( XXXX ) {$0.00} I got a phone line with them and they are telling that me someone tried to sign me up for the XXXX credit card. I did not ask them to do so. 

XXXX. XXXX XXXX ( XXXX  ) {$0.00} I have no idea what company this is and I never talked anyone to have my credit ran by them. 

XXXX. Tower Loan ( XXXX ) {$0.00} I have no idea what company this is and I never talked to anyone to have my credit run by them.
Product: Mortgage

Nationstar Mortgage, LLC failed and refused to communicate with me as the " Successor in Interest '' regarding this house. See attached complaint.
Product: Debt collection

Attached w/ pictures are phone calls received when still in review w/ XXXX XXXX. These were also paid because I didn't know I had a choice to fight and get proof. 
At one point they would not talk to me because problems they had legally and received a XXXX dollar check in the mail at that time these 2 accounts where removed off all my reports. Then they just appeared again. I have asked for all communications stopped and everything mailed to me for proof and calls continued! Even on a Sunday during church. I requested the following Original credit agreement/Arbitration agreement Purchase agreement/Original account number Date the account was opened Debit validation letter with original creditor with my signature on it. 
Payment history with detailed payment history. Any insurance claim filed on this debt. Chain of title to collect on this debt. Proof of debt assignment according to 15 usc 16 92g regulations. And I have not received nothing but calls and no mail or proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off reported by XXXX XXXX XXXX XXXX on my credit report. The account in question is account number XXXX. I believe this information is inaccurate and incomplete for the following reasons : Upon reviewing my credit report, I noticed discrepancies in the reporting of the charge-off. The reported date of the charge-off, the account balance, and other related information appear to be incorrect. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

The balance reported by XXXX XXXX XXXX XXXX does not accurately reflect the actual amount owed. This inaccuracy may stem from incorrect calculations, fees, or interest charges that were improperly applied. I request that the account balance be thoroughly reviewed and corrected. 

I have previously requested validation of this debt from [ XXXX XXXX XXXX XXXXXXXX XXXX but to date, I have not received adequate documentation proving that this debt is valid and that I am responsible for it. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported on my credit report. 

The circumstances leading to the charge-off were exceptional and involved situations beyond my control. Despite my efforts to communicate with XXXX XXXXXXXX XXXX XXXXXXXX to resolve the matter, they failed to offer any assistance or reasonable accommodation. This reflects unfair reporting practices that have unjustly impacted my credit score. 

Based on the points outlined above, I request an immediate investigation into the accuracy and completeness of this charge-off entry. If the information can not be verified or is found to be incorrect, I request that it be promptly removed from my credit report. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report as a result of this dispute, I request that updated copies of my credit report be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and confirmation that this inaccurate entry has been addressed.
Product: Credit reporting or other personal consumer reports

I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION AND NOT MINES. 

TRANSUNION : XXXX : ACCOUNT NUMBER XXXX TRANSUNION : XXXX XXXX : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. Navy Federal Credit UnionXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XXXX XXXX, 2022 XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES ON MY REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I HAVE REPORTED MULTIPLE TIMES BUT INQUIRIES CONTINUE TO SHOW ON MY CREDIT REPORT. PLEASE, CONDUCT INVESTIGATION AND DELETED INQUIRIES AS IT CAUSING ME SERIOUS FINANCIAL HARDSHIP.I HAVE ATTACHED RPORT FROM FTC
Product: Credit reporting or other personal consumer reports

there is information on my XXXX and Experian credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right XXXX privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX  removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys
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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00}
Product: Debt collection

XXXX of calls over more than XXXX months. They have never left a message, until today. They are, supposedly, a Debt Collection Agency, based in Texas and XXXX, XXXX Caller ID reports the call from Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

After i reviewed my credit report, I noticed several fraudulent accounts.
Product: Credit card

Summary : Had a credit card, was paying debt. Became unemployed and unable to pay ( XX/XX/XXXX ), account went to collections. In XXXX XXXX, got a temporary part-time job and made arrangements with the creditor - XXXX to pay $ XXXX/month. Started XX/XX/XXXX. XX/XX/XXXX ( I 'm told ), the account was charged-off. I have been making $ XXXX monthly payments to creditor since then. XXXX XXXX, I wrote to them to tell them to " STOP CALLING ME. '' I said nothing about them not doing anything else. XX/XX/XXXX, they replied they " received [ my ] your request to close the above referenced account. '' WHAT??? And then later in the letter : " If you would like to may payment arrangements to resolve this issue, please contact us at XXXX. '' Huh??? I already made payment arrangements with them when it was discussed and I agreed to do $ XXXX/month - all I could do ; and notified them in the letter that I 'd let them know if/when my situation changed. 

So, my question is this : If the creditor talked with me, stated/negotiated ( almost begging ) an amount and accepted the payment amount I could make, AND has been accepting ( and acknowledging - receipt of ) those payments every month - for a debt that was Charged Off XX/XX/XXXX ; do they then have any right to refuse current payments I make, in an attempt to say I was not " paying as agreed, '' or to make it seem as if I have not been paying? What is my right as a consumer? What is their right as a creditor? 

I have another letter to write to them, accompanying the next payment I 'll be sending, to let them know they did not follow my letter, or misinterpreted it, and further - they did not acknowledge receipt/crediting the payment ( per letter as they have done for over a year - prior to my letter of request ). What else do you suggest I do at this point? Please advise, thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was fraudulently opened in my name. This is fraud, ai am a victim of identity theft. fraud report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX XXXX XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX