23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries on my reports from XXXX  XXXX XXXX, XXXX XXXX, and JPMCB. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.
Product: Debt collection

I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct these errors or I shall proceed with involving my attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.
Product: Student loan

my original complaint if number is XXXX. 
I originally filed a complaint against Navient for hiring someone with an extensive criminal background and giving them full access to customers important information. 
The employee they hire name is XXXX XXXX this person was able to gain access to my private information using Navient systems. The person was able to access my full address and social security number. She then called and admitted that she had this information. She further explained and I quote " I do n't know what she is capable of ''. This statement was a direct threat to me and my safety. Once the statement was made I no longer felt comfortable in my home. As time went I found out that XXXX was employed through XXXX XXXX XXXX in my area and was making pizza delivery to my apartment complex. This was extremely scary since I have XXXX XXXX living with me. I decided to call XXXX XXXX to advise but they did n't seem like they were interested in assisting so I called my building manager and asked that he put a stop to it. My building manager was able to complete that request for me. 
I have several police reports/incident reports against this female. The reports were made with my local police department ( XXXX XXXX, NJ ) the report numbers are XXXX and XXXX. In my initial request I asked that Navient inform me if this female did in fact access my information using their computer systems. I do n't feel that my question was answered in my original complaint. This explains the reason I am filing another complaint. 
An investigator who works for navient did reach out to me and advised that the situation is still being investigated but I need a solid answer about what exactly they are investigating and if in fact XXXX XXXX access my information using their system. Or if she gained access using a subsidiary company that assist Naveint. to my knowledge my information was access at a XXXX. XXXX, NJ branch I believe it was through a company that is a partnership of Navient.
Product: Debt collection

I had my identity stolen in 2013 and XXXX of the accounts that was opened under my social security number was a cash into check payday loan. 

I received a phone call stating that a felony check case was going to be forwarded to my XXXX and a warrant will be filed for my arrest later that day, unless I paid the debt. 

I asked if I could send them police reports, affidavits and all of my identity theft information to resolve the issue and was told that I would need to turn myself in to be arrested, hire an attorney and take my case in front of the judge who would probably find me guilty any way. 

I was told that I could pay the bill of {$930.00} ( which does n't warrant a felony, by the way ) and then take whoever stole my identity to civil court and get my money back. 

I was told I could not send any information to them at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Transunion consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Four years ago I went to Bank of America to give them a power of attorney for my mother who was in a XXXX XXXX with XXXX. I already had an " in trust '' account for her where she received her Social Security check. The Bank of America Relationship Manager said I had to close the XXXX account and open a new POA account for her when I already had an XXXX account. I also had to change where Social Security sent her check due to the change. Now my mother has passed away, the POA is no longer valid and Bank of America is requiring that I go through probate. I believe they wanted me to open a new account to increase their productivity numbers, as that was the practice at the time, as was investigated and Bank of America was sued for later on. I've been informed that XXXX account was an account that I had capabilities I needed for my mother who had XXXX. When they switched me to a POA account and upon her passing, I have lost the ability to close her account. Bank of America has now frozen her account. I was mislead to close the XXXX account and to open a POA account. The Bank of America Relationship Managers and the Estate Unit Managers are demanding I go through Probate when I would not have had to if I had not been mislead. In XXXX XXXX Florida you must have an attorney to process a " Petition for Summary of Administration ''. Attorney fees start at {$1500.00} and the filing fee is {$340.00}. That is a total of {$1800.00} at minimum. The amount in my mother 's account is {$1200.00}. Bank of America is forcing me to leave the money in the account instead of allowing me to close it. I truly believe they mislead me into opening another account for her social security benefits when we didn't need to open another account. Now the POA has expired upon her death. The XXXX account was opened at another branch prior, the branch manager, forced me to close it and open another account. Now I can not access her account because they froze it. It makes no sense to go through probate and pay {$1800.00} when I'm trying to retrieve {$1200.00} and close the account. I have been a Bank of America client since 1998 and a XXXX client for years. I am seriously considering taking money elsewhere if this is not resolved in my favor. A Bank of America employee created this problem, he has now been terminated, therefore I hold Bank of America liable. I have done my due diligence and I hold Bank of America liable.
Product: Credit reporting or other personal consumer reports

I tried to dispute a lot of inquiries that I didnt do or knew about and Experian want let me dispute they.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to fix the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act. XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$9200.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00}.
Product: Debt collection

i switched cellphone providers in XX/XX/2023 from XXXX XXXX however they continued to bill me for usage after that date i contacted them by calling the customer service number and made payments to cover the last remaining charges due. XX/XX/XXXX for {$110.00} then again XX/XX/XXXX for {$33.00} and XX/XX/XXXX {$60.00} after that date i did not receive any more correspondence from XXXX XXXX. 
then out of the blue i get a collection letter from XXXX XXXX XXXX XXXX XXXX saying i owe {$150.00} on XX/XX/XXXX and then " XXXX XXXX '' on XX/XX/XXXX saying i owe {$150.00}. i called XXXX and they transferred me to maury cobb the lady that came on the phone immediately said how do you want to pay this debt. i said this is incorrect send me the itemized bills from XXXX to current date. they only sent me the last bill XXXX generated in XXXX of XXXX with an amount due. nothing else listing what these charges are for. 
the put a collection notice on my credit report and have not contacted me in any form. its like they know this small amount is a " nusiance '' to me but not worth them coming after me so that i will have no choice but to pay as it is hurting my credit
Product: Debt collection

I received a call on XX/XX/XXXX from XXXX XXXX ( XXXX ) XXXX stating he was with XXXX XXXX and they were going to take me to court gave me phone number to contact company ( XXXX ) XXXX case XXXX. He then called me XX/XX/XXXX being rude saying he was going to contact my employer I told him to please stop harassing me and if he made contact with me why call my employer? 
I called the company named Summit they said I was being sued for XXXX allegations on a debt owed for XXXX XXXX from XXXX I asked to please give me more information they said no I should know what I owed, I told them its XXXX I do not know : asked for contract they said no and demanded a payment in full for {$4600.00} now I keep receiving harassing calls from XXXX XXXX, when I ask to speak with a supervisor he was very rude and continued to harass me
Product: Checking or savings account

It was several bank account that was closed due to fraud activity, that someone stole my information and my identity.Also i had and credit union account with Navy Federal and XXXX XXXX  that was also closed at time i was in XXXX XXXX my account with Navy Federal was hack where someone had my information and despoit a fraud check also with XXXX  where they are saying that i cash the same check with XXXX XXXX and XXXX
Product: Mortgage

We sold our house on XX/XX/2021. LoanCare has sent several mailings about our home loan being paid off, but no information has been sent about refunding our $ XXXX escrow balance. The company 's IVR is horrible and only takes me to a place to leave a message which no one replies. You can not get to an operator and they offer no other ways of contacting them on their webpage. We have had repeated problems with this mortgage company over the last year and run into the same issues of no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and it is reflecting a Bankruptcy which is in error as I have never filed for bankruptcy. The docket number reported is XXXX
Product: Student loan

XXXX XXXX - a tech training company from XXXX XXXX, California. Has granted me withdrawal status as XX/XX/2023. Yet they continue to hold my XXXX XXXX Contract with an active status and refuses to fully cancel the XXXX XXXX Contract because XXXX XXXX argued that I still owed them money. 

Now, Leif Technology, the financial services group administering my XXXX XXXX Contract will not change the status in the account from active to closed. Also, they refused to fully cancel the XXXX Contract until XXXX XXXX provide with a request to do so. 

INCOME SHARE AGREEMENT Company : XXXX XXXX  https : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting

I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.
Product: Credit reporting or other personal consumer reports

I dispute multiple items on my credit report has been inaccurate. They have yet to be removed from XXXX, XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

I want to make it clear that making empty threats of legal action is illegal. I am genuinely considering taking legal steps against your company for failing to address the inaccuracies in my personal credit profile despite my repeated requests. According to my understanding of the law, you are obligated to investigate and rectify any incorrect information upon request, which you have consistently disregarded. That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX, I traveled with my friend from XXXX to XXXX. My friend is at North Dakota, I picked him up at North Dakota, then we went to XXXX. My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The second day I received alert information form CHASE, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from CHASE, that showed me they will close my account, give me 3 reasons. But those reasons are not mine. Every time, I paid my bill on time, and whole bill not partly bill. I never get this situation.Still now I have some benefits for my CHASE, they did not return that to me.I think that is very unfair to me to close my account by XXXX. Please, check it. I promise every words are truth.I have case number by police office. For this case, I have been report to police, a policemen have been called banker to open my account, the banker promise the policemen I can use my credit card, but now I can not use my card for CHASE.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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





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 XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am a Navient Studen Loan Borrower and have been a victim with issue of them not informing me as a borrower of certain information, not accepting my AutoPay payments forcing my account to go delinquent, negatively affecting my Credit score were I could not find a place to live, and falsing credit information. I contacted Navient and demanded the information and account be rectified. I was asked to submit documentation to prove my case. I submitted all my documentation and they have no rectified nor responded to my situation. 

I need help. My loans are at XXXX, I am a XXXX XXXX, XXXX XXXX that is suffering from a company I thought was helping me. They ruined my credit score and I ca n't even get a loan to buy a house or apartment. I pay all my bills on time and have never missed a payment. I do n't know who to go to. Please help me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a Victim of XXXX XXXX and I have uploaded all my documents I have been thru really depressing tragic stage in my life due to be being a savior please remove the information from my credit report.
Product: Credit reporting

When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, 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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; A XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I printed my credit report in late XXXX of 2020 from all three credit bureaus and I noticed that XXXX XXXX as the original collector was still on my credit report under collections for {$220.00}. I reached out to XXXX XXXX in XXXX of 2020 and paid my debit of {$220.00} in full and was told it would be updated and removed. It is now XXXX of 2020 and the debit is still there. According to the credit report the collection is now under Convergent Outsourcing at XXXX, I contacted them via telephone on XX/XX/XXXX about clearing or removing debit that is paid off and none out of the 6 people I spoke to and was transferred to help until they hung up on me. I also contacted XXXX XXXX back on same day of XX/XX/XXXX concerning same matter and XXXX XXXX informed me that I needed to contact collection company and I asked if I can get an emailed or mailed copy of receipt confirming my payment in full, representative advised me accounting department is closed in which it was XXXXXXXX XXXX central standard time, to try another time and hung up. Neither company is trying to help me or listen to the matter at hand. I need this removed being it is paid out in full or at least provide me with my receipt I requested and an estimated date it will be dropped or removed from my credit report.