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

I enter into a XXXX XXXX XXXX with Alleviate Financial Solutions on XX/XX/XXXX. XXXX credit accounts. Made payments of {$480.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and {$520.00} on XX/XX/XXXX, total of {$1900.00}. On XX/XX/XXXX XXXX contacted XXXX & XXXX for a settlement of one my creditors, XXXX XXXX ; which was agree by me for about {$3900.00}. from the original amount of a {$8000.00} ; which was the highest of all my debts, for payments of {$160.00}. for 24 months and a payment was made of {$160.00} in XX/XX/XXXX. To my surprise I checked my Portal to see my balance and it was on XXXX. So I almost had nervous breakdown to know that {$1800.00} had all gone on fees. I have contacted other Debt Resolution Companies and they tell me that the fees are actually divided into monthly smaller payment and those are included in the monthly amounts that I send every month. Allviate Financial Solutions are service by a financial institution by the name of XXXX, XXXX. To make a longer story short, the matter of the situation is that charge me all that money in one instant ; and I am very disturb that I was so angry and called and cancel my debt resolution program. By the way, I think they picked the highest one creditor so they count deduct the highest fee. Made several calls and always was someone different ( case mananger ). Tel # XXXX ext XXXX. My account should be XXXX. I am a XXXX yrs old XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX, and woul like to see justice done. Thank very much for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the a previous complaint.MILITARY STAR denied my claim of inaccurate reporting. 
This denial is not reasonable as i have been in correspondence with their credit department in which i proved the inaccurate reporting by providing copies of my consumer credit report. Each report shows a difference in detail such as currently reporting on a closed/paid off account. I was informed that a request to have the MILITARY STAR account removed from my consumer reports had been submitted. 
MILITARY STAR is clearly disregarding my consumer rights as well as fabricating the accuracy the their reporting. Due to the disregard, I am enforcing my stance by further taking reasonable legal action. 

PLEASE VIEW THE ATTACHMENTS!! 
EACH REPORT SHOWS THE INACCURACY IN WHICH YOU ARE REPORTING. 
HOW CAN A CLOSED AND PAID OFF ACCOUNT CURRENTLY REPORT?! 
Again this is a violation of my consumer rights pursuant to 15 USC 1681 in which each violation holds a penalty of up to {$1000.00}.
Product: Debt collection

I believe I and my aunt, XXXX XXXX, are the victims of identity theft. TRS Recovery Services, a Georgia business, has contacted me repeatedly regarding an XXXX transaction for {$29.00} entered into by my aunt. I had nothing to do with the transaction, I but received several notices from TRS as a collection agent. I disputed the charge twice by letter, but TRS continued to contact me. We called to dispute, but TRS did not desist with collection notices. My aunt then paid the claim to make it go away, and then her bank account information was stolen and used in many foreign countries the same day. I have copies of all letters from TRS as well as proof of payment ( even though we disputed the claim ). I can provide all the documentation. I believe this company fished for my aunt 's bank account through a transaction on XXXX that I had nothing to do with and then stole her identity. I would like TRS to stop contacting us, especially since we paid their false claim even though we did not owe it, and not harm my credit history at all. I am only XXXX years old and did not have anything to do with any XXXX transaction and don't wish to have my ability to obtain credit in the future harmed in any way. Please let me know if I can email or fax all documents to you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Student loan

I have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. 

I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 

1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 

2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 

3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 

4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of All Inaccuracies Account XXXX Dear Experian, This letter serves as a formal dispute of all inaccuracies regarding the account identified as XXXX, as reported on my Experian credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am demanding an immediate reinvestigation, correction, and/or removal of this inaccurate information. 

Disputed Items : Incorrect Charge-Off Status The account is listed as charged off as of XX/XX/year>, which is not accurate. I demand the following : Documentation proving the account was properly charged off in compliance with FCRA 609 ( 15 U.S. Code 1681g ). 
Evidence that XXXX XXXX attempted to notify me of this charge-off and provided me with an opportunity to settle the debt prior to taking this action. 
This account is reported as a charge off however, the creditor continues to report the charge off status every month which is inaccurate charge off is a one-time event and can not legally be reported on a monthly basis this practice violates my rights under the FCRA Incorrect balance reporting The account shows a charge on status while simultaneously reporting a balance of {$190.00}. If this debt has been charged off, it is unclear how a balance can remain on the account. Request for documentation to substantiate the balance, including a breakdown of payments, fees, and interests. 


Violations of Federal Laws : FCRA 609 and 611 : Credit bureaus and furnishers are required to provide complete, accurate information and validate disputed accounts within 30 days of receiving a dispute. Failure to do so violates federal law. 
FDCPA 809 : Creditors or debt collectors must provide proper debt validation, including all requested documentation, upon request. 

Demands : 1. Conduct a full investigation of this account and resolve all inaccuracies within 30 days, as required under FCRA 611.

2. Provide me with written confirmation of the following : Corrected payment history. 
Removal of the charge-off status if it can not be validated. 
Correct balance, past-due amounts, and payment records. 
3. If XXXX XXXX or Experian can not validate the disputed information, the account must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Product: Credit card

My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. 

My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.
Product: Debt collection

I called and ask for the original contract that I signed, any payments that I have made to them. I asked for proof that I owe them a debt, I ask them to send me a debt validation letters. But received no information from them and they called me and said if you don't pay I ; m calling your employer and tell them you are a person who commits fraud and you will be fired.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are 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
Product: Money transfer, virtual currency, or money service

Paypal Refuse to give me Refund i used my XX/XX/XXXX credit card : ================================= service@paypal.com <service@paypal.com> To : Me XX/XX/XXXX at XXXX XX/XX/XXXX Hello Me XXXX XXXX has posted a new message regarding this case. 

View the message and respond Deadline to respond : XX/XX/2019 You or XXXX XXXX can escalate this problem to a PayPal claim before XX/XX/2019. On that date, this case will automatically close. Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your seller as soon as possible. 
Transaction Details Case number : XXXX Seller 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$20.00} USD Your transaction ID : XXXX Sincerely, PayPal Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

Copyright 1999-2019 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX Scam the owner promise me 10 sign -ups for {$20.00} on my website.He sends False Traffic hits to my website.I didnot ask for Traffic only 10 Gaurantees sign-ups i dont have one from this seller.I want Refund Now. 
Order # XXXX l 10 Paypal : Transaction : # XXXX XXXX XXXX : Url : https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - https : //XX/XX/XXXX : XXXX XXXX
Product: Credit card or prepaid card

My wages got garnished during Covid- very very hard time for me. I did not get summoned- I just saw the summons- It was given to a XXXX girl with XXXX XXXX  approx XXXX I have really XXXX  XXXX and XXXX  XXXX. I was never summoned. It is unbelievable they would would take just anyone 's word- they should ask for ID to make sure correct person is getting summoned.
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. 
Account Name .. 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 XXXXXXXX XXXX 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 an account without my written instructions..

15 u.s.c 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Paid an outrageous amount in fees when I had my checking account. I don't remember the dates. Sometime in after XXXX before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion disregarded my dispute stating that they need authorization when I provided them with all the documents. I am not a third party company. I am myself. I provided proof of my ID, Utility Bill, and a notarized letter stating that it is me that sent the complaint through the Consumer Financial Bureau. I will upload all of this documentation along with my letter citing all the violations of the Fair Credit Reporting Act, Fair debt collection practice act, and the XXXX XXXX and need to be removed expeditiously from my credit report for these violations. I have cited the violations in the letter I uploaded along with all my other supporting documents.
Product: Debt collection

This is a debt from a dentist office that was paid on time at the office. I have sent the receipt of payment to the collection agency and they keep reporting me to my credit report on a debt that was never delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has 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 an account without my written instructions.
Product: Debt collection

The XXXX XXXX  court granted to re-open my case in XX/XX/XXXX. Home foreclosed in XXXX by XXXX due to Bank of America misrepresenting the mortgage services process. Bank of America used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, Ohio. On XX/XX/XXXX, the loan bankruptcy discharged the mortgage debt. They used deception through us a mail and by documents provided through Bank of America. On or about XX/XX/XXXX, Bank of America used an Associate title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy discharge. Bank of America worked with XXXX XXXX XXXX to hold an escrow account for XXXX XXXX XXXX for the government-approved crisis funds. The document XXXX XXXX XXXX reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. ThXXXX XXXX XXXX XXXX XXXXxperience an undue hardship ; the XXXX XXXX XXXX discharged debt. Bank of America took advantage of me during the crisis and failed to satisfy the liens after they brought out Countrywide Mortgage Service. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX  discharge ( s ) during a state of Ohio state and federal moratorium.XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXXXXXX that assigned XXXX XXXX XXXX XXXX the bank to be an indirect mortgage holder for the XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, XXXX XXXX XXXX application mortgage servicer which, name as Countywide Mortgage Servicer, and agreement was no assumption of the loan, Bank of America used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX