23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I completed a consolidation in XX/XX/XXXX and Navient has not been able to explain the approximate {$10000.00} increase to my consolidation balance. 

I, XXXX XXXX, am providing this written explanation for the basis of the dispute concerning the balance changes for consolidation loans 2-08 and 2-09. I will also provide documentation as requested by the Navient representative. 
I am currently in the home buying process over the next several months and ask that Navient understand and empathize with me concerning the significance of changes to my credit report during this time. 
I have reached out to Navient representatives to explain the balance changes for consolidation loans 2-08 and 2-09. No one could successfully identify documentation for the change, the reason for the change, or explain the difference. Therefore, the Navient representative submitted an escalated request for my consolidated loan balances to be reviewed, requesting an explanation of the changes. I have reviewed both in boxes in my Navient portal, and the latest documents posted since the approved consolidations are the tax statements ( XX/XX/XXXX ) and the quarterly interest statements ( XX/XX/XXXX ). 
Previously, Navient has uploaded supporting documentation in my Navient portal concerning any changes to my account balances for any reason. My mortgage loan is currently in the underwriting process, and the lender will pull my credit again before the approval is final. The last report pulled by the lender reflects my consolidation loan balances foXXXX XXXX XXXX {$220000.00} XXXX and XXXX XXXX {$27000.00} XXXX, as they are shown in the approved loan consolidation and repayment plan totaling {$250000.00}. As of XX/XX/XXXX, my loan balance has changed significantly. 
The increase of {$9500.00} has increased my student loan debt, which might affect my debt to income ratio. It could postpone or stop the mortgage loan approval and closing date altogether. 
I hope that Navient understands the severity of my current situation and is aware of how critical it is for accurate reporting to my credit and providing documentation to the lender for such relevant changes. I am clueless about the details of the balance increase and became even more confused after speaking to two Navient representatives that were just as puzzled as me. 
All in all, I have committed a great deal of my time and finances to reach the mortgage goal of buying a home. I have worked consistently with Navient for the past several months to ensure my student loans meet the mortgage lenders ' standards and the department of education. As you can see, my education is essential to me, and finalizing my approval for this current mortgage loan is equally crucial.
Product: Debt collection

I have a debt from IQ Data International Inc, on my credit score for quite some time, from an XXXXXXXX XXXX XXXX   that I never resided in. I called the apartment complex, and they have no record of me living there or no records of me on file. I have filed multiple disputes through the credit bureau, and the debt has stayed on my credit score for an outstanding amount of money. I have XXXX the company contact information since it has been over 7 years this debt has been on my credit score and has not fallen off. I requested verification of the debt with XXXX who I am assuming is management for this debt company, who told me he has sent me mail about the debt that I never received. I also asked for an itemized list and debt validation on the amount of the debt and he responded with " We're not interested in sending you that information ''. So I told him I wouldn't waste any more of his time since he will not give me the information I requested on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a letter. Downloaded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed these matters and Experian didnt properly investigate allowing derogatory comments My name isnt correct on name know as it stay XXXX and my name is spelled XXXX It says XXXX things in collections but still shows items on report making it hard to buy a house! Experian doesnt follow through with investigations and when you call they give the run around!
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows on their XXXX report that my XXXX XXXX is only XXXX, which is incorrect as I am above XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Product: Credit reporting or other personal consumer reports

America first finance has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was discharged as of XXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

On XX/XX/2019, I mailed the attached documents to TransUnion, LLC. and asked that they provide an original, signed contract from The Key car company. 
If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). They returned my investigation results as the account being verified without providing me the original, signed contract.
Product: Credit reporting or other personal consumer reports

Heres the updated dispute letter addressed to Equifax with todays date : -- - XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute the unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ). Below are the disputed inquiries : XXXX  : Inquiry Date : XXXX XXXX, XXXX Purpose : Auto Financing Contact : ( XXXX ) XXXX XXXX XXXX XXXX : Inquiry Date : XXXX XXXX, XXXX Purpose : Auto Financing Contact : ( XXXX ) XXXXXXXX XXXX XXXX XXXX : Inquiry Date : XXXX XXXX, XXXX Purpose : XXXX XXXX Contact : ( XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Date : XXXX XXXX, XXXX Purpose : XXXX XXXX  Contact : ( XXXX ) XXXX [ XXXX  ] Violations of the FCRA Under 15 U.S.C. 1681b ( c ), credit inquiries are permissible only with explicit authorization or for certain legitimate purposes. I have neither applied for credit nor granted authorization to the entities above, which makes their presence on my credit report a violation of : 15 U.S.C. 1681b ( f ) : Obtaining a credit report under false pretenses. 

15 U.S.C. 1681i ( a ) : Failing to conduct a proper investigation of disputed items. 


The failure to verify these inquiries or provide proper documentation confirming permissible purpose undermines the integrity of your investigation process. 

Legal Obligations and Remedy I am including a detailed statement confirming I did not authorize the inquiries. 

Your investigation must comply with 15 U.S.C. 1681i, including notifying the furnishers and obtaining documentation proving permissible purpose. Should you fail to remove the inquiries, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under 15 U.S.C. 1681n for willful noncompliance. 

Formal Demand for Action I demand the immediate deletion of the unauthorized inquiries from my credit report. Failure to act within the mandated 30-day period will result in formal complaints and possible litigation. 

This letter serves as notice under California Civil Code 1785.25 ( a ) that you are reporting inaccurate information. Continued reporting of these inquiries as verified constitutes defamation of character and willful negligence. 

I expect written confirmation of the results of your investigation, including the documentation relied upon for verification. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX : XXXX Date of Birth : XX/XX/XXXX Enclosures : Copy of ID and Proof of Address
Product: Debt collection

I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.
Product: Debt collection

I called Vance & Huffman on XX/XX/XXXX  to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/ & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/XXXX  Business is based on the owners word and in this case XXXX XXXX word means nothing.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

AS MUCH AS I ENJOY BEING A XXXX XXXX XXXX XXXX CUSTOMER ON THE BANKING SIDE. 

BEING A CREDIT CUSTOMER HAS NOT BEEN SO GREAT. THEIR REPORTING IS VERY GLITCHY ALONG WITH THEIR NOTICES. 

I PAID OFF A CREDIT ACCOUNT AND FOR SOME ODD REASO THE XXXX XXXX REPORTED THE ACCOUNT AS CLOSED WITH A BALANCE, THEY HAVE FAILED TO REPORT THE XXXX USAGE STATUS TO THE BUREAUS FOR A WHILE AND ONCE THE ACCOUNT WAS REDUCED TO XXXX. 

AS OF TODAY THE BALANCE HAS SHOWED UP AGAIN AS UNPAID FOR {$980.00} WHICH AGAIN DAMAGES MY SCORES WHICH THIS ACCOUNT HAS BEEN AFFECTING FOR SEVERAL MONTHS. THEIR OWN REPORTING REDUCED MY SCORE AND MADE ME NO LONGER ELIGIBLE FOR THE ACCOUNT WHICH THEY CLOSED BUT I PAID IT OFF PRIOR TO THE STATEMENT CLOSE AND REPORTING DATE AND THIS COMPANY DID NOT REPORT THAT. 

THEY KEEP THROWING THE DELINQUENT BALANCE AND INCREASED USAGE ON MY CREDIT WHICH IS GREATLY AFFECTING MY SCORE DURING A TIME WHEN I AM APPLYING FOR A LOAN AND UNDERGOING UNDERWRITING.
Product: Debt collection

To whom this may concern, Your company said I allegedly owe you money. I willPAYunder one condition if you can provide : 1.Validation of the debt -- that is the actual accounting.

2.Verification of a signed Invoice.

3.A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail 'so that there is an independent '' witness to it having been delivered. '' Kind Regards, XXXX XXXX
Product: Mortgage

I am complaining about PennyMac. They refuse to review my documentation for a mortgage solution. I have completed a full borrower 's response package and I am ready to submit. They are taking financials over the phone and only will do a repayment option. Are they confident I calculated my income and expenses correctly? They told me there are no imminent default programs for FHA. I reviewed www.hud.gov and they do offer assistance. FHA does have imminent default programs available. They made the gesture that I must fall delinquent by 3 months in order to get assistance and then only it is not guaranteed. I am currently in Chapter XXXX bankruptcy and they told me that no credit reporting is taking place ( not true ) and no late charges accruing ( not true ). The mortgage is NOT being paid through the bankruptcy plan. They offer no fax number to submit a borrower 's response package. I need help for them to comply. There is no reason to make this go on as I am in good faith trying to get help. The 90 day rule is during or prior to the financial crisis and HUD has changed their guidelines. I need a list of the current documents I need to submit in my situation in Chapter XXXX.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 below accounts are reporting to all three of the credit reporting agencies under my name and my info, I have contacted these companies advised them, that this has to be a mistake because I have never done business with any of them and that these accounts are reporting to my credit negatively and that its is effecting my family livelihood. Please see the list of the accounts and all the details, of which i do know. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$3200.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX XXXX Bankruptcy Reference # : XXXX Date XXXX : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. The actions of your bureau have left me deeply troubled and frustrated. What I find particularly perplexing is that both XXXX and XXXX have taken prompt action to remove the disputed accounts from my credit report, and yet TransUnion has chosen to dismiss my claims. This stark inconsistency in your response only adds to my distress and frustration. XXXX XXXX XXXX XXXX XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct/Email : XXXX XX/XX/year> XXXX REQUEST/ CEASE AND DESIST SENT VIA XXXX MAIL & EMAIL ( XXXX XXXX : Collection Hunter XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : XXXX XXXX XXXX # XXXX Dear Sirs/Madam : I recently received a debt collection notice from your office. A copy is attached for your review. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by XXXX XXXX who XXXX, purportedly transferred to XXXX XXXX XXXX XXXX This request is made in accordance with the relevant provisions of the XXXX XXXX XXXX and applicable regulations. A copy of all charge-offs documentation including 1099-C forms.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within XXXX ( XXXX ) business days from the date of this letter. I would like you to confirm your company is not on the federal bad debt collector list. 

Thank you for your prompt attention to this matter. 

Kindly, XXXX XXXX XXXX By : ____________________________________ XXXX XXXX XXXX, XXXX, CC : CFPB
Product: Vehicle loan or lease

am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should remove it from my credit report agency
Product: Credit card

PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.