23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was told if I provided all information, including my degree, proof of employment, financial records, tax documents and the fact that I have paid a private loan on time for over 4 years. My co-signer would easily be removed. after receiving the run around for my private loan with navient ending in # XXXX. Not only was I declined a co signer removal after talking with staff and managers alike they laughed in my face. To the degree where a representative told me and I quote. " Well if you want out of this loan, you should just pay it off ''. I lost my job of 4 years to covid in XX/XX/2020. Not only did I never miss a payment I paid on time. To hear staff and managers be this inconsiderate and tone deaf to our society and what we are going through was extremely sad and disgusting behavior. 

Next issue is a private loan with Navient that was paid in full in XXXX. It is loan ending in # XXXX. I have called several times because not only has the loan been paid off, it is still reflecting on my balance due. It is bad enough that my balance is $ XXXX for an XXXX XXXX, which to be honest seems criminal considering the jobs in which I can get with an XXXX XXXX will never equal to my compensation being $ XXXX. The private loan is paid in full and still reflecting on my navient account. I called today was transferred 3 times had to give my entire personal information in full from social security number, address, DOB and phone number and then still had to verify which account I was calling on to 3 different people. This has happened so many times in the past I have lost count. Today I was kept on hold by a manager who proceeded to tell me they see it's a charge off they can't do anything about the over $ XXXX balance remaining on the account or that it is adding to an overall balance due of $ XXXX but then attempted to transfer me to the charge off department within navient that somehow magically closed. I'm beside myself. If I could waive a magic wand I would of never went to school. These issues have brought me to attempted suicide and add to my stress to where I ended up having a misscarriage. This entire system is flawed and is destroying lives. We need help and people that work at Navient need to be investigated and fired for misconduct. If I could I would bring up criminal charges against them.
Product: Credit card or prepaid card

Dear Bluebird by American Express : Allow me to continually dispute a {$400.00} from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. Please find the attached documents including a failed receipt transaction submitted XX/XX/20 and XX/XX/20 proving that I had received {$0.00} cash except for a piece of receipt indication that the transaction had been failed. Therefore, I hereby attest that the ATM did NOT dispense any cash as requested. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. 

As I'm certain that the store by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will provide footage of the relevant incidence in dispute. 

I'd appreciate a prompt and fair resolution to the matter. Furthermore, I hereby ask for a credit of {$400.00} to my XXXX account Thank you XXXX XXXX
Product: Debt collection

I was on medicaid they had my medicaid information. 

PARAMOUNT RECOVERY PARAMOUNT RECOVERY Last reported : XX/XX/XXXX {$100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$100.00} Highest Balance {$100.00} Opened XX/XX/XXXX ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
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 XXXXXXXX XX/XX/XXXX, XXXX violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Ed Financial Services fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.
Product: Bank account or service

I was taking my sister and niece to the XXXX XXXX Bank of XXXX branch open saving and checking account on XXXX/XXXX/2016. 
We have present XXXX documents, the passport with resident visa and the SSN card to the representative of the bank. 
The representative reviewed passport and response that the passport visa was expired which she was wrongly defined visa expiring time with the last required entry date. After I showed her what mistake she made with visa type and date, She responded that she was not immigration officer, which I do n't blame her, so She asked to show the documents to her assistant manager - XXXX XXXX, so she can have his approval. 
After a few minutes, she came back tell me that because the visa was expired that she ca n't open an account for my sister and niece. Which again, I told her, she made a mistake again with the resident visa, otherwise, my sister and niece will be illegal immigration which they are not. 
So I request to speak with the assistant manager. 
After wait for a few minutes, the assistant manager walks over, whom has met me at the representative 's office 's door, who without greeting and identify himself. Only he was doing was staring at me, I was very surprised by his way to unprofessional and asked him if he is the manager. And he answered " Yes '', so I have invited him to seat which he suppose to invite me to seat. 
He starts to explain to me the reason that the bank ca n't open an account for my sister and niece. 
In his words, his reason was the bank needs XXXX IDs in order to open an account, and that is bank 's policy. Since his reason was different compare to his representative, I start suspicious that his reason was beyond bank 's policy. So I was very polite tell him that I was full understand and respect the requirement if that requirement is the policy of the bank. However, in order to not have future misunderstanding the requirement, I would like to have the requirement in writing, either from him or from a printed bank policy document. The assistant manager- XXXX XXXX XXXX refused provide such requirement either in writing or he told us, that bank has no such document printed for the customer. So I told assistant manager what I concern that without such bank policy in writing, I ca n't trust his word, because he may change his words once we had XXXX ID documents which he and his staff already change they requirements in 10 minutes. He refuses to give me any answer. So I was direct ask him if the requirement his ask was because we are XXXX, he was refuse to answer again but staring at me. When I continuously ask him if I can record his word, he also refused. Since his word and act was extremely stronger to me, and refuse to left any trace of evidence that the bank actually need XXXX IDs to open an account. As customer, I believe, I have been mistreated because my background as XXXX XXXX. I am asking for full investigation of the bank 's practice that against minority and the apology from the bank and the manager in writing. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Transunion and they do not want to fix issues. They keep saying the item is accurate when it is not. I contacted the creditor. They told us the problem is with the Credit Bureau and they need to fix it. The creditor then provided me with letter that you will see attached as proof. They gave this letter to me so that I can have Transunion fix it. I sent this letter to transunion certified and they are yet to pick it up. The item in question is for XXXX XXXX XXXX. It was closed and charged off. The account number is # XXXX and it was charged off and closed on XXXX and Account # XXXX was closed and charged off on XXXX. It is showing on credit report as opened and not charged off with a monthly payment. There should be no monthly payment shown either.
Product: Credit reporting or other personal consumer reports

Please be advised that I recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX ACCOUNT # XXXX BALANCE {$1300.00} XXXX XXXX XXXX ACCOUNT # XXXX -BALANCE {$14000.00} I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
Product: Credit card

ive called capital one multiple times within the past 3 years trying to get an account that was opened in my name using a different phone number and address that ive never lived at the account was opened XX/XX/2020 and it was a {$500.00} credit card that was charged over {$1100.00}. This account has prohibited me from increasing my current credit limit, purchasing a car and a hole number of other things a XXXX XXXX XXXX trying to live would need. capital one asks for the address and number of the account everytime i call and every time they say the address doesnt match the one ive lived at and neither does the number but they proceed to say im linked to the account somehow but wont tell me other than the fact they wont close the account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that are appearing on my credit report. Upon reviewing my credit report, I discovered multiple inquiries that I did not authorize or initiate. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

I want to emphasize that I did not apply for any credit or authorize any entity to access my credit information on the dates indicated above. These unauthorized inquiries are detrimental to my credit score and financial standing. 

Furthermore, it is my understanding that these inquiries may constitute violations of the FCRA. Specifically, I believe the following provisions have been breached : 1. Lack of Permissible Purpose : Under the FCRA, entities are only allowed to access an individual 's credit report for permissible purposes, such as in response to a credit application or with the individual 's consent. Unauthorized inquiries made without a valid permissible purpose violate this provision.

2. Failure to Obtain Consent : Even if an inquiry is made for a permissible purpose, the FCRA requires that the individual 's consent be obtained prior to accessing their credit report. I have not provided consent for the inquiries in question, thus constituting a violation.
Product: Debt collection

I have disputed a credit account Portfolio Recovery Services 3 times in the last 3 months with the Consumer FInancial Protection Bureau. Portfolio Recovery Services has lied each time and said they were unaware of the dispute of this account and each and every dispute complaint is on file with the Consumer Financail Protection Bureau records. I also have spoken to two seperate reps on a recorded line in XX/XX/XXXX explaining the account is not valid- This alone shows that Portfolio Recovery Services is no honest in its collection practices. 

Secondly, I request copies of debt validation. Portfolio Recovery sent a document supposedly they have from the previous creditor dated XX/XX/XXXX with the address of XXXX XXXX XXXX and the letter dated XX/XX/XXXX was mailed to another address which does not belong to me. Portfolio Recovery forged this letter of collection because there have filed this claim to this debt illegally. Please provide detail on where this address was found and why you use this address. 

Also the debt letter that Portfolio Provided from the previous creditor has the amount of XXXX but the the final bill, which I deny is my account has a balance of XXXX. Can Portfolio please provide details on the accounting records for this account. How did they calculate the balance owed? 

Please provide the answer and response with in 15 Business days as this is a formal request- I believe that Portfolio has violated my FCRA and FCDPA rights and are in violation of multiple laws
Product: Credit card or prepaid card

I had an account with PNC bank for a credit card. The card held a balance and I made consistent payments for almost 5 years. I then moved in XXXX of 2022 and called PNC bank to provide new mailing address. 
In XXXX my online access to the PNC was locked for reasons unknown. I was also on autopay with the PNC which was cancelled, when the online access was cancelled. This led to the card being late due to the autopay being cancelled and I was not receiving statements or a notice about the late payments due to them not updating my address months prior when I called up. 
Eventually, I found out when the late was reported to the credit report. I called up and they apologized profusely and updated my address, reinstated online access, and took my payment. I then said as this was their fault for lack of notice, cancelling autopay, preventing me from doing a payment, and not updating the address. They said I needed to mail in a request for an investigation.

I have sent THREE letters to the information provided to me in 3 different month for a review. I have not received a review or a reply to any of the letters. As a consumer I have a right for the review and to know the result of the investigation. They have not done that despite numerous in writing request and it is likely I am not the only one and their system and procedure should be investigated by you, the CFPB.
Product: Debt collection

I am sending this communication in response to your most recent reply for CFPB Complaint Number XXXX. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d
Product: Credit reporting or other personal consumer reports

There are hard pulls and tons of soft pulls that I do not recognize on XXXX, Equifax, XXXX asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.
Product: Debt collection

L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.
Product: Debt collection

On XX/XX/2014 XXXX sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XX/XX/2014 and requested that they conduct an investigation and to send me the results. 

On XX/XX/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX Violated the FDCPA and the Texas Finance Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made onXX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXXXXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx