23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated calls to my phone Impersonating that they was Michigan state treasury office and ask for to give them my address to send me a check from unclaimed property the company is called G C debt collection phone number XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXXXXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Product: Money transfer, virtual currency, or money service

I bought a return flight from XXXX XXXX  XXXX XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ( XXXX ) via XXXX XXXX. I am an XXXX XXXX loyalty member and credit card holder. I cancelled the second half of the trip and was told that I would receive flight credit for my next flight. 

I asked what the flight was worth and was told it was worth {$100.00} on XX/XX/year>. I was told on XX/XX/year>, that the credit for the flight was now worth {$92.00}. If and when I purchase a flight and cancel the entirety of the flight for credit, I am entitled to whatever the value of the ticket was when I purchased it. I don't know the value of a one way ticket purchased as part of a return flight, but that should be easily determined as a fixed amount and not one that changes over time.
Product: Student loan

I was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.
Product: Debt collection

I have been a loyal customer of ACIMA DIGITAL FKA SIMP for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on my credit report. It came as a shock to see a late payment reflected/collection, which must be a mistake. As evidenced by my long-standing history of punctual payments, I have maintained a flawless record of paying on time.
Product: Student loan

I see multiple 90-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Product: Credit reporting

False information on my clue report from the 3rd party company called LexisNexis
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, 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 Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application on XX/XX/2020 for an auto loan at XXXX XXXX XXXX XXXX and a notice was sent out that they denied me on XX/XX/2020. On XX/XX/2020, there was another application submitted without my knowledge with also my stepmothers name and information on it and a notice was sent out on XX/XX/2020. I am trying to figure out how another application was submitted with both of our information on it and I repeat I have no knowledge of this and my stepmother says she also have no knowledge of this. I also have the documentation as proof.
Product: Credit card or prepaid card

At XXXX the non-profit organization I work for gave XXXX XXXX XXXX to their employees and some volunteers. Eleven of those cards had fraudulent activity. My card that had never been taken out of its cardboard container until XX/XX/XXXX, had only {$1.00} left of the amount of {$150.00}. That {$140.00} was spent at a XXXX in XXXX XXXX, California on XX/XX/2022 at XXXX p.m. The store closes at XXXX p.m. I live in Arizona and was not in California. I called the XXXX gift card number on the back of the card XXXX. The call took almost an hour waiting on line. I spoke to two people. They said they would send paper work to fill out. I received paperwork on XX/XX/2022. It was to be back by XX/XX/2022. I faxed it that day for {$8.00}. On XX/XX/2022 I received a new XXXX gift card with {$1.00} on it. The next morning I started calling at XXXX a.m. I made 4 phone calls to get help. I was told by the 4th person, XXXX that my fax had been received and the fraud team would be looking over my paperwork that I had faxed. They would put the {$140.00} on my card. I was to keep checking to see if it was there which I have been doing. Today I was not able to get in online to the account but was able to call and I still had only {$1.00} on the card. I know the other cardholders whose money was taken and no one has had it resolved yet. One man has not received his paperwork yet and he called in days before me and waited on the phone 1 1/2 hours. There is something really wrong going on with this company. It has to be an inside job. People 's cards were compromised before taking them out of the container they were in. Someone had to know the security code on the back of each card plus the numbers which are concealed even when bought. Please check into this. In just our organization alone a few thousand dollars have been stolen. On the back it says the card is issued by XXXX XXXX XXXX XXXX XXXX XXXX Please help us get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The Consumer Reporting Agency TransUnion is who I am accusing of fraud. TransUnion is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave TransUnion written permission to furnish anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. Experian and XXXX  are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!
Product: Credit card or prepaid card

I complained about this credit card Company back in XXXX about proving that I made payments on this account and on time. I thought it was all settled when I informed you before. I now discover that Barclay charged me another late fee of XXXX and added XXXX to my account when it states payment and they charge the payment instead of crediting it. On my Current statement and last Months statement it states I owe XXXX for a pmt As you can see, I made XXXX pmts. Now they tell me that I own over XXXX in pmts. I have never been late on this account yet they have my account stating it is late again. This has been going on since XXXX 2020. 
I have sent them notices about this and they state someone will call me. NO ONE has ever called and my phone # has been the same over the last 5 years. I have tried to call them several times and they place me on hold and never return. 
Please see attached proof.
Product: Payday loan, title loan, or personal loan

On XXXX I borrowed XXXX The loan carries an interest rate of 139 % and an APR of 139 % even though the loan is XXXX it is XXXX credit cost but if it 's paid monthly throughout contract, payout will be XXXX. I have borrowed from this company on 2 other occasions fortunately paid it of within a few months. My husband lose his job at the failed XXXX XXXXXXXX in SC along with XXXX other employees.I am wondering how companies are allowed to charge such outrageous interest rate There other pay day loans I am dealing with and have dealt with such as 1- The XXXX XXXXXXXX 2- XXXX XXXX 3-XXXX, They all are outrageousluck over rated. 
Thank You XXXX XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or Navient, nor have they responded to my inquiries.
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 3 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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Certified Mail # XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I trust this message finds you in good health and spirits. 
I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer. 
In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately. 
I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented. 
Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been past 30 days sine I have sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report. They didnt do anything about it until now, I can see those things on my credit report. Please let me know of whats going on. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid NCBI a settlement amount of {$1300.00} with a Visa card ending in XXXX after being advised they do not accept XXXX XXXX for the account. I received a confirmation number XXXX for the XXXX payment and was told the account was settled and I would receive a XXXX balance letter. While still on the line with the Supervisor/Manager XXXX XXXX I received notice the payment also went through with XXXX XXXX XXXX She advised to chargeback the XXXX XXXX payment. 
Her contact information is : XXXX XXXX XXXX I did as instructed and completed a chargeback for the double payment. 

On XX/XX/2021 I called in and requested a XXXX balance letter because it had not been received, I spoke with Supervisor XXXX XXXX and was told I would receive it, on XX/XX/2021, I called again and spoke with XXXX XXXX because I had not received the letter and my credit reports had not been updated. On XX/XX/2021, my credit reports updated to reflect that there was a XXXX balance, but I still did not receive the letter. 

On XX/XX/2021 my credit report updated again with a new balance of {$4100.00} and derogatory status. I received a letter dated XX/XX/2021 about the charged back amount and that the balance due was {$4100.00}. 

I called again on XX/XX/2021 and spoke with XXXX XXXX because of this new issue and the fact that I still had not received my XXXX balance letter, she was very apologetic and assured me it would be taken care of within 24-48 hours and I would have my XXXX balance letter and my credit reports would be updated. 

As of today XX/XX/2021, I still have not received my XXXX balance letter and my credit reports are still showing a derogatory balance of {$4100.00}
Product: Mortgage

XXXX complaint involves Truist Bank 's customer service giving erroneous information which impacted my credit score negatively and then later not admitting they made errors. Several months ago I received a past due notice regarding one of my loan account at Truist Bank. I quickly called them to follow up, as I had been paying the amount that was shown as due on the online portal. The phone rep assured me I could disregard the notice and that I had indeed paid the correct amount. The following month I received another notice, I again called Truist Bank and they again told me that I had paid the correct amount. 

Finally, I received a notice that I would be sent to collection for past due amounts. I called again only to learn I had in fact not been paying the correct amount ( as there is a confusing part of their online portal which gives a different amount depending on which section you click into. My wife and I have received notices from our credit report agencies that our credit score has been impacted. I escalated to a supervisor to request my credit report be fixed and to ensure I know exactly what is the correct amount to pay each month. She indicated she would file a request to review the previous calls to determine if a bank error occurred. I waited one week and they called to say after review it was determined no bank error occurred - even though I had twice called to inquire about the past due notices and been told to disregard. I am being sent to collections even though I have paid each month the amount that was listed. I am happy to pay what is owed, but I want the bank error corrected and my credit score restored
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report related to accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the protections provided by the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) and 15 U.S.C. 1681, I demand the immediate removal and blocking of these fraudulent entries.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX MN. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$100000.00} were XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers and their parents scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who XXXX have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator Warrens Letter : https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Product: Credit reporting or other personal consumer reports

I have enclosed proof of my identity ( ID and address verification ) and additional documentation under FCRA 605b.

Failure to act within 30 days as per FCRA Section 611 ( a ) ( 1 ) ( A ) will result in legal action. I do not consent to automated verification ( XXXX ). You must provide a detailed description of your reinvestigation procedure within five days of its completion. Should you fail to respond adequately, I will seek compensation of {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not all the information is correct on the XXXX credit reporting agencies such as name, numbers, addresses, and debts. I try to contact the credit agencies through phone or websites and have trouble connecting with any of them.
Product: Checking or savings account

On XX/XX/2022 I was the victim of a very tactical scam. The scammers targeted my savings account and submitted XXXX checks to USAA for {$2500.00} each. I contacted USAA on XX/XX/2022 notifying them of the fraud. They have frozen my accounts. I was informed that there would be a XXXX business day lag before I had access to my funds. It is now XXXX days later and I still do not have access to my funds. I have bills to pay, money in my accounts, and no way to pay my debts because I can not access my own funds. 

I have filed a fraud alert with the XXXX, XXXX, and XXXX credit agencies.
Product: Credit card or prepaid card

Navy Federal ran my credit when I didn't authorize the hard pulls that are showing on my credit report, they told me that the hard inquiries would be removed from all 3 credit bureaus but it's still showing on my reports. I need Navy Federal to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I also have proof via police report that I was a victim of identity theft
Product: Mortgage

Harbor Portfolio XXXX and I, executed an Agreement For Deed ( ( Land Contrat ) t ) on the property at XXXX XXXX XXXX in XXXX, KY XXXX, without my knowledge or consent, this Mortgageor sold the property, for which we had this contract, but continued to receive my payments.