23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have submitted the required paperwork for renewal of the IBR plan, a month later they said that my application was missing a signature. I resubmitted the application with the signature first week of XXXX and received a confirmation email on the XXXX that they had received the document. (this is all done within the right time span to still be approved before my payment was due)35 days have passed and now they say they never received it, (which I never got notification) and processing of the application will take more time so my only option was forbearance (which the rep kept pushing me to do, threatening that it will go on my credit report if I did not do it). This is the second year on a row that Navient has done this. When I called last week to ask about why it was taking so long to process my application they said that the application was being processed, I was never informed that they were missing information until now, that my only option is forbearance.Because of their negligence processing applications, I have had to go into forbearance more than once.
Product: Credit reporting or other personal consumer reports

XXXX posted a late payment/collections derogatory mark on my personal credit based on a business account that my former company had settled via the receivership process. I submitted proof the receivership trustee 's settlement letter and the cashed check XXXX accepted from the offer- which is legal acceptance of the settlement offer. The account should be settled and closed, not in collections and not on my credit report. 

Experian did a very fast " investigation ''. According to our company attorneys, Experian did not find correctly.
Product: Credit reporting or other personal consumer reports

Please remove these inquires from my credit report. There are four inquires that needs to be removed. 

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

XXXX- XXXX XXXX inquiry ( XXXX XXXX XXXX XXXX- XXXX  ( XXXX XXXX  ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX- XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX  XXXX ( Equifax ) Blank XXXX- XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX ,  XXXX ) Please take this off my report its over 7 years old XX/XX/XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX Equifax ) these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Product: Debt collection

Continually received mail from this company. Their number is ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX sold my account to XXXX XXXX with full knowledge that fraudulent charges had occurred. 
back in 2015 I notified XXXX XXXX XXXX of unauthorized charges that I did not recognize on my billing statement. my card was shut down for protection and a claim was opened for this and a new card was mailed out. 
I never received a new card, no communication that an investigation was conducted or the result of said findings. I did notice only 3 small charges were credited on the statement. I continued to question procedures and further dispute. I was ignored and was continually pursued for charges that I am not responsible for. I refused to pay as I am not legally liable. XXXX XXXX then insisted that I owe them and charged off the account and sold it to a collection agency who has ruined my credit. after filing a dispute with the credit bureaus both XXXX XXXX and XXXX verified the data. XXXX XXXX has not supplied any records to me but XXXX XXXX continues to call me regarding the balance when they no longer have the account. its too late to request new investigation. XXXX does not have all the records.
Product: Credit reporting or other personal consumer reports

I'm setting up to offer my misgiving concerning the tried records on my credit report. On various events, I have raised the issue of errors in these records, and have continually alluded to that they be all around separated. In spite of my undertakings, I in a little while clearly can't get any objective or repairing movement. These misguided records are genuinely hurting my credit report and deterring my ability to happen with a regular life. The antagonistic outcomes of these slips up have caused tremendous challenges for me, and I'm left with no choice next to battle for your assistance with keeping an eye on what's going on at the earliest doorway. I carefully request that you direct a thorough assessment concerning the fundamental of these tried records. It is basic that the pivotal advances are taken to enable and change my credit report immediately. With your help, I really want to restore the exactness and customariness of my credit record so I could recuperate control over my money related thriving. I really urge you to present this matter your for the most part absurd suggestion and take a catalyst action. Your coordinated effort and moving in settling this issue rapidly would be gigantically critical. Thankful to you without skipping a beat for your perception and help.
Product: Debt collection

hi I have reached out to SEQUIUM ASSET SOLUTIONS because I recently checked my credit report and I notice there stating I have a outstanding balance of {$2600.00} from the date XXXX XXXX.I have no knowledge of and this is fraud
Product: Credit reporting or other personal consumer reports

I got notifications from XXXX XXXX that a credit card was opened in my name and I reported this at the police station. I also notified the credit card company that this is fraudulent as I do not request this card. They also informed me that the card was now closed. 1 month later my credit score dropped with over XXXX. This is heartbreaking. Please assist The last time that I own a credit card from this particular credit card company was over 3 years ago. I informed them that I do not want to do business with them anymore and to cancel all card.
Product: Credit reporting

There is wrong information in my report. 
XXXX Account # XXXX & gt ; I have paid down
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

Midland Credit Management attempting to collect debt they claim was sold to them by XXXX. XXXX states they never sell debt and the debt was forgiven XX/XX/2023 as identity theft by XXXX 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. 
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 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 Section 2 : It also states a consumer reporting agency 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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/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 XXXXXX/XX/XXXX The following inquiries were not and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My personal information is incorrect Incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX 2. Did not consent to unauthorized inquiry. 
XXXX XXXX  XXXX XXXX  Please Remove It From My Credit Report. 

3. Did not consent to unauthorized inquiry. 
XXXX  XXXX XXXX XXXX Please Remove It From My Credit Report. 

4. Did not consent to unauthorized inquiry. 
XXXXXXXX XXXX XXXX  Please Remove It From My Credit Report. 

5. Did not consent to unauthorized inquiry. 
XXXX XXXX  Please Remove It From My Credit Report. 

6. Did not consent to unauthorized inquiry. 
XXXX Please Remove It From My Credit Report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX ** Validate/inaccurate reported late payments. 

8. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX * Validate/inaccurate reported late payments. 

9. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account Number : XXXX ** Validate/inaccurate reported late payments.
Product: Credit reporting

XXXX XXXX account ending in XXXX still reporting on my credit. XXXX XXXX has already updated Transunion that account is n't mine. XXXX XXXX changed account to responsible person for account. After change Transunion did n't remove but instead put this persons address as my current address on my credit report.
Product: Debt collection

I can only choose one option when at least 3 of the options apply here. IQ Date International is the company at XXXX. My son defaulted on the very last month of his lease. The XXXX XXXX XXXX XXXX XXXX added 2 more months of rent which took the balance all the way up to {$4800.00}. The collections company IQ Date International called me the week of XX/XX/year> and I offered to set up a payment plan of {$1000.00} a month. The lady ( XXXX or XXXX XXXX was very condescending and rude and said that I should have already taken care of it and that they do not set up payment plans and said I need to apply for several loans until I am approved in order to pay it off. I called back today, XX/XX/year> and spoke with XXXX who also was very condescending stating I knew I owed the debt and asked why I didn't pay it. I told her I don't have {$4400.00} to pay all at once or I would and that I can pay {$1000.00} a month starting tomorrow. She said again, they don't accept payments and that I need to apply for loans until I am approved in order to get this taken care of. The fact they are trying to force me into applying for several loans is unfair as hard inquiries on your credit bring your credit score down, additionally, the liklihood of me receiving a high interest loan is high. They also said they have it in a " refusal to pay status '' when not once did I ever state that I am not paying, in fact I did quite the opposite with trying to set up a payment arrangement of {$1000.00} a month. I should not be forced into taking a high interest loan when I am offering to pay {$1000.00} a month. Additionally, during the call XXXX started yelling at me at the top of her lungs in a very condescending manner while I was trying to explain something to her and wouldn't let me talk. She finally got me to the point where I was also yelling.
Product: Credit card

Capital one charged me two interest charges for cash advances and I have only had one transaction that was considered a cash advance which was a XXXX payment. These interest charges should only be charged when a cash advance is made. I was also charged a late fee on XX/XX/year> which should be reversed I had no power and internet or cell service for days due to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX California and I submitted my payment exactly on XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( XXXX  ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$150.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$690.00} ACCOUNT NAME : EXETER FIN ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$11000.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE XXXX : XX/XX/XXXX BALANCE : {$9500.00} ACCOUNT NAME : CONSUMER ADJ ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$420.00} ACCOUNT NAME : XXXX & XXXX ACCOUNT NUMBER : XXXX DATE XXXX : XX/XX/XXXX BALANCE : {$720.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$61.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2700.00}
Product: Prepaid card

I got this gift card about a XXXX  ago and I tried to use it for an in store purchase. The transaction wouldnt go through and it was asking me for a pin that I have never set up. I tried to go to the site on the back of the card ( XXXX ) but it doesnt take me anywhere. I tried to call the number as well but I think I was calling a fax machine.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX XXXXXX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX LAST REPORTED DATE : XX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to XXXX. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that XXXX remove this account from my credit report but they continue to disregard my wishes. This account was closed in XX/XX/XXXX and should not be on my report anymore. The creditor reported this account again to XXXX on XX/XX/XXXX due to my dispute did not delete this account.
Product: Checking or savings account

i applied for a small business loan with bank of america. No sooner when i submitted my application they send me an alert saying my business account had fraud on it so they shut it down. come to find out many consumers have reported the same thing. this is illegal and has costed me time to move all my payables so i dont get fees added to an already stressful and horrible situation that BANK OF AMERICA CAUSED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me get rid of the errors in my credit report. I have been trying for several months.
Product: Credit reporting or other personal consumer reports

Demand for Permanent Removal of Invalid Collection Accounts and Compensation for Violations I am writing to demand the permanent removal of three invalid collection accounts from my consumer report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Practices Act ( FCRPA ), Uniform Commercial Code ( UCC ), and privacy laws. These accounts have been reported by : XXXX XXXX  ( {$1100.00} ) - reported since XX/XX/XXXX ( 34 months ) XXXX XXXX XXXX XXXX ( {$8600.00} ) - reported since XX/XX/XXXX ( 9 months ) XXXX XXXX XXXX XXXX  ( {$6400.00} ) - reported since XX/XX/XXXX ( 6 months ) Each of these accounts has had a 1099-C filed by the original creditor, indicating that the debt has been forgiven. Despite this, your company has allowed these collection agencies to furnish my non-public personal information and report invalid debts, causing harm to my reputation and credit score.

I invoke my rights under : FCRA 615 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 615 ( a ) ( 1 ) ( B ) : Failure to correct errors FCRA 623 ( a ) ( 1 ) : Failure to ensure accuracy UCC 3-419 : Unauthorized reporting Privacy laws : Unauthorized disclosure of non-public personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause ( physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX XXXX  {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}
Product: Checking or savings account

The full narrative of my dealings with CitiBank, and the XXXXe, intimidation, and threats suffered when I tried to collect a bonus promised when opened CitiXXXX  Checking account, funded with {$50000.00} taken out of a high interest savings account are described in the written materials I will submit in connection with this complaint. 
In short, I received an invitation from CitiBank to open this no interest checking account along with a personal bonus code that would give me a bonus of XXXX XXXX Bonus Miles. I fully funded the new XXXX XXXX Acct, linked it to my Citi XXXX Account, and performed the other actions required to receive the promised bonus. But then started receiving weekly Emails telling me that I had to fund the new acct and link it to my CitiXXXX Acct in order to qualify for any bonuses. After multiple such notices, I attempted to reach someone by phone at the numbers on the original mail offer, a welcome packet, Email and back of my debit card, but after 100s of hours off being placed on hold, transferred around to at least a dozen different offices, and frequent cut-offs, I received a letter from the CitiXXXX office informing me that there was no bonus offer associated with the account I had opened using the bonus offer Code in the original letter of invitation. Another 100+ hrs trying to reach someone to correct this error, again to no avail. So went to my local CitiBank Office with all my documentation, and spoke to a personal XXXX. After explaining my problem, she said You opened this account online and not here in my branch, so I can not help you. I then asked if she could at least connect me with someone at CitiBank who could help me, to which she replied You are not listening to me, so you have to leave now or I will call the police. I returned the next day, to withdraw all my funds from CitiBank and to obtain the name of the unhelpful and threatening banker so I could lodge a complaint against her. She refused to tell me her name, locked her business cards in her drawer, and started to call the Police and again threatened to have me ejected from the Branch Office. Fortunately another banker overheard our conversation and gave me his card and assisted me in filling out the forms to withdraw the over {$50000.00} in my XXXX Cking account. But from that day on, I started to get multiple daily scam Emails impersonating CitiBank secure communications asking me to sign in to retrieve urgent account information. I then called a CitiBank number for security issues, and was told that these Emails were not originating from CitiBank and that I should forward them to their fraud department. Only after multiple requests that they investigate the source of scam phishing Emails and put a stop to them did they finally stop coming, making me suspicious that the same abusive person in my local branch office was the source of those phishing Emails. I later learned her name from a helpful banker in the downtown main local Offices of CitiBank, and have lodged a complaint with CitiBank against her and the XXXXy office at their XXXX XXXX XXXX.