23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I borrowed {$89000.00} from Sallie Mae. Navient said they took over my accounts. Somehow my balance overtime ballooned to over {$150000.00}. My father was never cosigner on any my loans. The system would not allow him to cosign for me. Somehow his name appears on my promissory note along with other names that do not match for references. I have been trying to handle payments for many years and figure out a way to survive. I can not pay what they demand. At one point, I was paying $ XXXX  monthly when I was only making {$1200.00} per month. I was threatened my customer service agent that he did not like my tone and that he could make things worse for me. Over the years, the Sallie Mae and Navient both said that they could do whatever they wanted with my payment amount and balance based on their whims. I have them recorded. Most recently, I spoke with XXXX XXXX, a poorly trained supervisor at Navient. She was very belligerent. Told me that I need to find a job during pandemic and downward spiraling economy. She asked why couldn't my family members pay the balance. My family has been harassed by the company as well. Members that were not listed as references. They even called my father on his deathbed to harass him. Multiple times a day. When we said he is hospitalized and to stop harassing him. They kept calling. It was relentless and vulgar in nature. I am shocked and disgusted by these actions. Beyond their predatory lending practices and poor customer service that verge upon being deceitful, uninformed, uncouth, and XXXX, they can not seem to keep their records in proper order. Constantly, asking me about my father and his whereabouts. My father passed away two years. Navient received the death certificate and responded with " you are now on your own. '' I do not have the money nor will I ever make enough income to pay them {$1000.00} per month. I will never be able to pay them over {$150.00} per month. They refuse to work with me. I said I am not working for various reasons. Again, we are in a pandemic and economy is not well. Also, I do not trust the company because the promissory notes hold false information. I refuse to be preyed upon by a company who as stated before is under investigation for predatory lending. 

Please contact me for recordings and other documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME XXXX  XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX XXXX ACCOUNT NUMBER XXXX n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Checking or savings account

I closed my account with Citizens on XXXX XXXX. I kept receiving eNotiication alerts after account closing so I called Citizens on XXXX XXXX. They relayed that my XXXX XXXX  had a recurring payment and they had to re-open my account. The customer service rep said they will send a check and get the account closed. I asked them to send me a letter in writing that account was closed. I immediately updated my payment method on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Citizens for change of address. 

I received a letter on XXXX XXXX ( letter dated XXXX XXXX ) from Citizens that I have an overdrawn amount of {$3.00} and I need to pay it to close the account. I called Citizens on XXXX XXXX regarding this and they conveyed that a service charge was added because no deposits were made and the amount has now increased. They are unwilling to resolve this because of system limitations. 

Issues : 1. I willing closed my account and ended my relationship with Citizens on XXXX XXXX XXXX. After finding out in XXXX that a transaction was made, I rectified the payment method and have an email from the card that my payment method was updated in XX/XX/XXXX. Citizens shouldn't be charging service fees if they never obtained my consent about re-opening the account and for all intents and purpose I had closed the account and was conveyed the same ( yet again ) on XXXX XXXX XXXX. They are going to keep charging me the service fee unless I deposit money or settle which are not fair options given the account closure.
Product: Credit reporting or other personal consumer reports

Creditor Name : Bank of America Corporation Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Nature of the Complaint : On XX/XX/XXXX, a debt of {$500.00} was canceled and reported to the IRS using XXXX XXXX As per IRS guidelines, once a XXXX is canceled and reported as income, it should no longer be considered an outstanding liability. Furthermore, under the Code of Federal Regulations ( XXXX ), specifically XXXX CFR Part XXXX ( Fair Credit Reporting Act ), creditors are required to provide accurate and fair information to credit reporting agencies. 
Despite the legal cancellation of the debt, US Bank of America Corporation continues to report this debt as outstanding on my credit report. This misreporting is a violation of both IRS guidelines and credit reporting laws. 
Action Requested : I have requested US Bank of America Corporation to delete the inaccurate negative item from my credit file within XXXX business days of my initial dispute letter ( dated XX/XX/XXXX ), but no action has been taken. 
Attachments : Copies of the XXXX form. 
Copies of the credit report showing the disputed item. 
Copy of the initial dispute letter sent to US Bank of America Corporation.
Product: Credit card

Upon signing up for an XXXX Amtrak credit card ( XXXX XXXX ), I thought I was singing up for XXXX points ( Amtrak ) after spending a {$1000.00} in the first XXXX billing cycles. When I spent the required {$1000.00}, I never received the XXXX points. I call the bank today ( XXXX ) to ask why the XXXX never posted to Amtrak. The rep informed me the I did not meet the qualifications upon signing up. The offer they said I signed up for was for XXXX points after spending {$2000.00}. I had no idea an offer was listed for this XXXX. I find this misleading and feel I was not in the wrong. I asked the back to honor the XXXX I believe I signed up for and they would not. I asked them that I wanted my $ 99 year fee back because this was not the card I signed up for. The said they would not. I went ahead and canceled the card as of today. I know it was XXXX points because My uncle signed up for the same deal and his is for XXXX.
Product: Credit reporting or other personal consumer reports

My insurance company totaled out the XXXX XXXX XXXX that I purchased from this company and made a payment of XXXX on XX/XX/XXXX. I was told on XX/XX/XXXX by the finance department that the payment was received and that my account has been paid in full no balance left as of XX/XX/XXXX and it is closed. I checked my credit report today on XX/XX/XXXX and was informed that Dallas Auto 4Less reported my account as a Collection/Chargeoff on XX/XX/XXXX instead of paid in full closed account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I am submitting a complaint against Chex Systems Inc., regarding an erroneous report being made by XXXX XXXX XXXX XXXX and an account they are claiming I opened, which I did NOT ooen. For in excess of three months I have requested verification of the debt, specific documents related to the date, the time and date the account was opened, the identifying documents used to open the account, proof that I authorized the account to be opened and any and all contracts or agreements regarding or related to the account. Despite a plethora of requests under Section 609, 611 FCRA, XXXX XXXX XXXX XXXX continues to verify the information as accurate without completing or doing any sort of reasonable investigation and or not complying with Section 609, 611 FCRA. Chex Systems Inc., as furnisher of the derogatory information is required to ensure certain aspects of The Fair Credit Reporting Act are followed ; to date none of the requirements of The Fair Credit Reporting Act have been followed by the furnisher, Chex Systems Inc., as I have not received ONE piece of information from XXXX XXXX XXXX XXXX regarding this disputed item. Chex Systems Inc., is in violation of The Fair Credit Reporting Act by continuing to furnish information that is disputed and not requiring XXXX XXXX XXXX XXXX to comply with The Fair Credit Reporting Act Section 609, 611. I now submit a complaint requesting adherence to the furnisher, Chex Systems Inc., under Section 623 FCRA and request that this be followed pursuant to The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX  XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$1300.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 CA 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 XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express concern with Zelle handling disputes with the might of the CFPB lawsuit with significant issues with the platform. I use Zelle numerous times and reporting discrepancies my bank and Zelle fails to investigate my claims. They told me recovering lost funds were impossible and tracking the transactions wasnt feasible. The CFPB findings indicate that Zelle had not only neglected to protect us customers but has also allowed repeat offenders to exploit the system. Leaving XXXX users vulnerable to scams. The lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I had a Sofi checking and savings account for a month or so and I opened a account on the invest portion on the app not knowing what I was doing I deposited {$500.00} bought 2 stocks then the next day I panicked thinking I was going to lose my money I sold the 2 stock and tried transferring the remaining funds into my sofi checking well they froze everything and now money is going missing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax caused a breach to my sensitive personal information and failed to notify me in a timely manner. This has lead to a huge headache of contacting credit agencies, freezing cards, and managing my finances.
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. 

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 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: Mortgage

We have been trying to work with Wells Fargo Home Loans for a few years to get a Loan Modification. We have submitted many documents and were represented by an attorney at one point. We recently received numerous phone calls from a real  estate XXXX XXXX XXXX stating that they represent the new owner. 
We never received any notice of a foreclosure sale concerning our home. 
We were under the impression that XXXX XXXX XXXX was submitting documents for a loan modification on our behalf. 
We do not know to do in a situation like this. We are being harassed by two real estate agents.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY REPORT. XXXX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, SEC FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO DISCOVER. IF XXXX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX EXPERIAN XXXX IS VIOLATING MY RIGHTS. DELETE THIS ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX BANK XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting or other personal consumer reports

THE INQUIRIES LISTED BELOW ARE NOT MINE 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an hard inquiry was submitted on my XXXX credit report from JP Morgan Chase. I had no applied for any credit products, and did not authorize my credit to be pulled. I was alerted immediately by credit monitoring through XXXX XXXXXXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX.
Product: Debt collection

I Did not receive a debt Validation from the Third Party debt Collection Company or any original documents of the original account. 
Also the opening date of account is wrong, it is listed as XX/XX/XXXX on the XXXX Report, but in the letter it was aquired on XX/XX/XXXX, so apparently this collection agencies has provided conflicting information, please check attachments. However the account was Discharged XXXX  2020, not only the, also when is account is Discharged/ Written-off, it is a Certificate of XXXX, the company was paid and must not be reported on credit report. 

Thank you
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX with my brother ( co-applicant ) through XXXX in XXXX. We traded the XXXX XXXX in for XXXX XXXX XXXX on XX/XX/XXXX in My name only this time.That being said the XXXX XXXX was paid off through XXXX and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new car ( XXXX XXXX ) . Initially there were two 30 day lates, one reported onXX/XX/XXXX and the other in XX/XX/XXXX. I was advised to dispute it by XXXX because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only removed one 30 day late which was the XX/XX/XXXX. When I called back in I was given a different story all together. I was advised that the final payoff amount that XXXX XXXX XXXX sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have XXXX XXXX of XXXX XXXX, MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called XXXX XXXX and spoke with my Sales person XXXX XXXX and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a XXXX XXXX @ XXXX XXXX who is over him. I called on several occasions and left several voicemail messages for a XXXX XXXX @ XXXX and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on XX/XX/XXXX so how can we have a 30 day late on our credit report for XX/XX/XXXX & XX/XX/XXXX and if that was truly the case why did they wait 6 months to report it? That 's why they removed the XX/XX/XXXX late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither XXXX or XXXX XXXX will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what XXXX 's response was or I really feel like they are n't even investigating the matter.