23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.
Product: Debt collection

IN XXXX I CONTACTED XXXX TO ADVISE THEM I WAS SWITCHING COVERAGE TO ANOTHER INSURANCE COMPANY-XXXX XXXX EFFECTIVE XX/XX/XXXX. THEY DID NOT CANCEL MY COVERAGE UNTIL XX/XX/XXXX AND BILLED ME ALMOST {$400.00}. I RECEIVED NO BILLS FOR THE COVERAGE. IN XXXX I WAS NOTIFIED THEY REPORTED THE BALANCE TO COLLECTIONS. I IMMEDIATELY CONTACTED XXXX DIRECTLY TO ADVISE THEM THEY INCORRECTLY BILLED ME AND SENT PROOF OF COVERAGE. IT TOOK THEM 2 WEEKS TO CORRECT THE BILL. I REQUESTED SEVERAL TIMES FOR A REVISED STATEMENT, WHICH I STILL HAVE NOT RECEIVED. I WAS TOLD THE BALANCE WAS {$170.00} WHICH I IMMEDIATELY PAID. I STILL NEVER RECEIVED A BILL AND I WAS ASSURED ON SEVERAL OCCASIONS THAT THE ACCOUNT WOULD BE RETRACTED FROM THE INSURANCE COMPANY. THE COLLECTION AGENCY REPORTED THE ACCOUNT AS SETTLED WHICH IS INCORRECT AS IT WAS TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX .... Balance : {$6700.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX .... Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I completed the TransUnion Disclosure Request Form, filling out each line request : Name, SSN, Current Address, Previous Address, Other Names Used, Date of Birth, Then under the Proof of Current Address I sent copies of : Driver 's License & current Utility Bill, Then under Proof of Social Security Number I sent a copy of : Social Security Card, Then under Proof of Date of Birth I sent a copy of : California Birth Certificate. I copied each of these for my records, sent the envelope Certified Mail Return Receipt Requested. On XXXX XXXX, 2017 I received a return letter with the following statement : Re : Proof of Address Unacceptable - Reason # 3 = One or more of the documents provided was not a qualifying document. I have re-evaluated all the copies of the documents that were submitted and all fulfill the requirements as requested. I feel that I feel that this Credit Reporting Agency is not providing me with my request for a free annual report due to the fact that the company is requiring to get a payment before the company will sent the report and is in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, this complaint is about my personal information being incorrect. I sent a letter out on XX/XX/2020 and i also sent a letter out on XX/XX/2020 and today makes over 60 days since ive recieved a response or any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, personally filing this complaint without any involvement from a third party. I have attached letters to provide detailed information about the inaccurate items being reported in my credit report. The dates reported by Transunion, XXXX, and XXXX are inconsistent and untimely.
Product: Checking or savings account

On XX/XX/2023 I went on a vacation stayed at at hotel. The money was taken off my card. Then on XX/XX/2023 I have a new charge for the same hotel. I contact cash app and ask what's up. They told me now that between XX/XX/XXXX thru XX/XX/XXXX ... the have been having technical difficulties .... and claimed my money was taken Put back taken put back and then taken. But yet no where on my statements does It say it was ever put back once bur taken two times.from my account. And I said you do not have permission to take any of.my money. Amd now.refuses to even give me any back. They stole my money!
Product: Credit reporting or other personal consumer reports

I have been in contact with credit collection several times and have given them proof I wasn't even in the country when the services there trying to collect were given, I have a victim of identity theft by XXXX XXXX XXXX. I have not had XXXX XXXX, my farm owns a XXXX XXXX XXXX XXXX so only insurance I will ever have is XXXX XXXX. if this account is not removed from my XXXX report in 2 business days I will file legal actions against credit collections. my attorney XXXX XXXX is ready to file today. I have report fraud insurance to XXXX and FTC and local law enforcement. I am tired of these collection companies thinking they can just place something on someone's credit file and think it's ok. Credit Collections has all the proof to show its not mine, heck I don't even have a car in my name since XXXX because ive been out of the country since the start if XXXX until XX/XX/XXXX so why would I need car insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a third party debt collection company that is based out of Alabama. Im in XXXX Florida. They broke code 15 usc 1692 b ( 2 ).

Second, the original creditor is XXXX and they sold my debt without my consent which makes this identity theft. 

Last but not lease the 3 credit bureaus have reported inaccurate information on my credit report. For example investigate : date opened, last reported, and date last active all these columns are inaccurate due to different dates which doesnt make sense.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Chase Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I contacted Chase Bank Credit card customer service over a recorded phone line, in which I was told they did not have knowledge of COVID-19 Pandemic credit reporting protection. No delinquency can be reported to the following credit agencies until after the XX/XX/XXXX due date for my account. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

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, PA XXXX XXXX XXXX XXXX XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of predatory student lending practices via XXXX XXXX and Navient Solutions , LLC . I have roughly $ 26k in private student loans all through XXXX all with Navient Solutions , LLC . Due to the insurmountable debt I've acquired through these scams I've had to move a lot and lost a lot of my records of my student loan statements throughout the life of the private loans, dating from XXXX. I would like retrieve copies of these statements and records. I have asked Navient repeatedly to please provide me either with a link to these documents so that I can retrieve them digitally or have them mailed to me via paper copy, with the former being the preferable version. When I spoke to the original customer service representative on XX/XX/XXXX she told me that I should be able to see them online via the Forms link on the Navient website but when we tried it kept looping me back to the login page. She said it shouldn't be a problem to have them mailed to me and she would process the request. I asked if I could just get them emailed because that was a lot of paper, and she said that wasn't possible because the documents are set to come to me the way my statements are sent to me. I asked if I could then change the way my statements came to me so I could just have them emailed. She said yes but then I'd have to resubmit my request so I asked to move forward with the current request as is. Then I got a letter from Navient telling me that I would need to narrow my request down to 24 months with a detailed reason as to why I needed the documents. I sent an email as a response saying I was going to do neither as I felt it was my legal right to have access to my billing statements and that I would really like to just access them digitally which shouldn't cost anything. They just emailed me back today saying that the would not be able to do this, that they just sent me an account history on XX/XX/XXXX and XXXX ( I have not received either these ) and that I could access my account history online to see my payment history. This is a very limited very long list of numbers in columns that does not give accurate information and is confusing to understand. At this point I feel they are illegally withholding this information from me. As it stands I can only see my statements digitally for year back from the current date, which given the current climate and their recent settlement, seems questionable at best. Any financial firm I've done business with has held onto records I have with them until usually 3-10 years AFTER my account has closed, which is what I'm used to. The fact that I can not see these private student loan records beyond a year when I'm still paying on them is absurd. I want my records and I should be able to see them digitally. I gave a copy of ONE of the FIVE private loans I have with Navient in the Account History format they are referring to. I also uploaded the most recent statement with them refusing to send me the documents.
Product: Debt collection

I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Credence resource management a by XXXX I did not authorize no type of consent written or verbal to do buisness with this company it was sold as a debt and legally I have the right to have it removed from my report the amount listed is XXXX and Im not obligated to pay this..
Product: Debt collection

I received phone calls and mail from puget sound collection agency for a debt that was not mine. O have been trying to resolve this problem with them and they refuse to send any verification that I owe a debit. They sent me a thier own typed up bogus letter saying I owe them money the letter didn't come from the alleged creditor.
Product: Debt collection

XXXX XXXX in behalf of Aldridge Pite have fraudulently purchased debt securities under my name and social security number in efforts to collect a so-called debt. I have not authorized the sale or use of securities under my name or social security numbers.

Additionally, I am the original creditor in which i extended my Full Faith and credit as provide by the U.S. Department of State ( which i have authenticated documents of ).

the original loan documents were securitized and monetized fraudulently without my knowledge and consent. XXXX and Aldridge Pite have fraudulently filed court proceeding in attempts to collect this so-called debt.

A notice of dispute ; Demand for Validation and Proof of Claim were sent in this regard to XXXX XXXX but to no avail has she tried to furnish validation and proof of claim and yet continues to harass in attempts to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the three credit reporting agencies remove both bankruptcies on my credit report except for Equifax. I believe Equifax is trying to keep my credit score lower to prohibit me and my family from owning a home. I asked previously about removing the bankruptcy and was denied. However XXXX and XXXX did so without me having to request the removal. I also noticed that XXXX took XXXX points away from my account just last week for no reasonsee documentation. I have paid my accounts down and they still took XXXX points away, AGAIN.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EXPERIAN 'S to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account closed XX/XX/XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I received a negative credit reporting about a collection account that National Credit Adjusters reported to the credit reporting agencies. I have never received any information pertaining to this account from NCA, nor had NCA every contacted me about the account. On XX/XX/XXXX, I submitted my first debt validation dispute to National Credit Adjusters ( NCA ), XXXX XXXX XXXX XXXX, XXXX, KS XXXX. NCA received my dispute on XX/XX/XXXX ( See Attachment Exhibit # 1 ). NCA responded to my dispute via a letter stating that they received my dispute ( See AttachmenXXXX Exhibit # 2 ) and would investigate it. More than 45 days lapsed and NCA did not provided the requested information outlined in my initial debt validation letter, however, NCA has continuously reported negative information to XXXX, XXXX, and XXXX. NCA has gone as far as notifying the credit reporting agencies that it has validated the account. Upon learning this from the credit reporting agencies, I requested XXXX, XXXX, and XXXX  to provide me with what NCA provided to its company that validated this account, however, each credit reporting agency instead re-started a re-investigation dispute. In an attempt to validate this account, I again submitted a follow-up letter to NCA requesting the information pertained in my initial request, and informed NCA that the information was to be provided within 10 business days from receipt of my second request ( See Attachment Exhibits # 4A and # 4B ), and further explained in the letter that it is a violation of my rights if the company fails to properly validate the account while continuing to report negative information. NCA received this second request on XX/XX/XXXX ( See Attachment Exhibit # 3 ). To date of XX/XX/XXXX, NCA has disregarded my initial request and my follow-up request to properly validate this account, but continues to report negative information about this account to XXXX, XXXX, and XXXX. More than enough time has elapsed for NCA to properly validate this account. The only option now is to ensure my consumer rights are protected in accordance with the FCRA, FCBA, and FDCPA. I hereby demand that NCA stop all negative reporting of this account to the credit bureaus, to remove all negative reporting to the credit bureaus, and issue me a letter confirming its intentions to stop and remove the negative reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX CARD account number XXXX and the XXXX CARD account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im writing regarding an account that is reporting to credit bureaus XXXX and transunion XXXX XXXX Account Number XXXX tried multiple times to resolve the issue with credit bureaus and every time no luck.Account is fraudulent does not belong to me somehow after every dispute creditor responds with information is accurate and does not remove it from my credit report.XXXX XXXX is seriously affecting my rights under Fair Credit Reporting Act it shows that supposably i made payments to this account couple of times then i stopped.I assure i never made a single payment for this account and i want credit bureaus to verify who made the payment how this account is even linked to me and why i want XXXX XXXX to send me every document they gathered during this investigation and how did they come to the conclusion that account is mine? I am an responsible person and i pay all my dues at the time i never missed a single payment on the credit cards that belong to me.IF FTC DOCUMENT DOES NOT OPEN FTC REPORT NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

Under law Delete these accounts from my credit report XXXX, XXXX and XXXX, as well as these Consumer report Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Right to Recisson - Return Property Aka my car returns to me by law ) loss of wages and damages $ XXXX check made payable to me. 
XXXX XXXX XXXXXXXX Collection Charge off XXXX loan servicing ( Student Loan sold debt by Dept of Ed which breach Right to privacy ) XXXX XXXX XXXX - Breach of right to privacy sold debt and loss of wages results in damages $ XXXX check made payable to me Laws and Rules that were broken : 15 U.S. Code 1692c ( C ) 15 U.S. Code 1692c - Communication in connection with debt collection ( Reporting to your consumer report is a form of communication ) -Cease Communication/ Cease collection/ Cease Reporting on my Credit Report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( Didn't give any company the right to publish that info on your credit report ) 15 U.S. Code 1681s2 - Responsibilities of furnish of information to consumer reporting agencies. 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. 


15 usc 1681b ( a ) ( 2 ) Needs Written Permission to Furnish ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Right to Recisson ( 2 ) When the right of rescission is exercised under subsection ( 1 ) of this section, the debtor or person exercising the right of rescission is not liable for any credit service charge, loan finance charge or other charge, and any security interest given, including any such interest arising by operation of law, becomes void upon the rescission. 


Social Security Number is a form of Credit card ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ~Social Security Number~ is a credit card