23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have owed student loans since XXXX. The total originally was around 50k. Over the years I have been offered forbearance for my loans that resulted in a much higher balance. Originally I was with Sallie Mae and then was transferred to Navient. I feel that Navient failed to help me with options that were available to me and would have helped me throughout the years. In XX/XX/XXXX-XX/XX/XXXX I was having a horrible financial time and Navient could have offered me the IBR plan but did not help me with this option or properly help me seek this option. In XX/XX/XXXX I  applied and I was actually denied the plan even though I qualified. I feel that Navient made it difficult to be set up on the IBR but very easy to be placed in a forbearance. I was so unhappy with Navient and at some point I was contacted by a third party that offered me the IBR plan and explained it to me. This third party said i needed to transfer to XXXX  XXXX XXXX in order to be able to take advantage of the IBR plan because Navient did not allow it. As a result I have been on the IBR plan with XXXX XXXX for a few years now. My payments are affordable and I have not seen an increase in my principle as I did for so so many years. Due to the Navient and Sallie Mae multiple forbearance and high interest I currently owe XXXX and had I been on the IBR plan when it was first implemented back in XX/XX/XXXX I would not owe so much interest and so many more years of payments. 

Also, Navient was evaluating my situation and said I did not have to worry about the late payment and they ended up hitting my credit with a 90 day late. This is still on my credit. 

If I could please join the lawsuit I feel I am a good candidate. Thank you!
Product: Credit card or prepaid card

XXXX XXXX XXXX has harassed me with phone calls, text, emails and letters about a {$600.00} purchase I made in XX/XX/2022 that I returned. I have been charged enormous late fees and interest and they refuse to make adjustments. There is no communication or little between the credit card company and the retailer. I have late fees upon late fees. I was told I needed to send a letter to their customer service department to request in writing that fees be waived. I did this on XX/XX/2022. I continue to still get emails and bills and late fees. They are rude and lie on the phone. They have the worst customer service I have ever experienced!
Product: Debt collection

They just keep sending a bill that does not prove its my debit. Please see attached
Product: Credit reporting or other personal consumer reports

I previously disputed reports of accounts with Experian, which they claimed to have verified on XX/XX/year>. However, I believe that the verification process was not conducted properly. My dispute was not thoroughly investigated, as required by law. 

Actions taken by me : 1. I filed a dispute on XX/XX/year>XXXX  with Experian regarding 8 accounts to be late payments as reporting on my credit file. I believe this is a clerical error on either Experian end or the creditors end. I was expecting a proper investigation and demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating Experian immediate actions to rectify the said 8 accounts. 


Actions taken by Experian : 1. Experian responded that the accounts were verified but did not provide adequate details or demonstrate proper review.
Product: Debt collection

I have tried to contact Cavalry portfolio services on several occasions in regards to a collections debt that is mistakenly on my credit report, they have not and will not send me a copy of the original debt to even determine if it is mine nor when it happened or what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the federal law under FCRA, if there is an error in their report they have the right to fixed it right.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.
Product: Debt collection

I have sent XXXX letters dated XX/XX/year> and XX/XX/year> requesting this company validation of the debt they have reported that I owe them. I have the right under your CFPB s1006.34 to request them to validate with written evidence and the company has failed to provide me and or the credit bureaus with this. On XXXX, these accounts were deleted because they couldn't provide any evidence.
Product: Credit card or prepaid card

I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2019, i received a collection letter from the office of so called agency MUNICIPAL SERVICES BUREAU, i have never heard of this entity or of the amount of the collection attempt, according to internet search this agency history is that of untrustworthy business practice and is currently in civil law suit procedures .. i have requested more information from them regarding their claim and now waiting on response. i should not be harassed for an illegitimate collection
Product: Debt collection

XX/XX/2020, a pull of my credit report shows that Progressive is  seeking to collect on an alleged debt in the amount of {$820.00}. XX/XX/2020, another pull of my XXXX Credit report shows that Progressive reported that I allegedly owe {$830.00}. 

XX/XX/2020, I sent a 15 U.S.C 1692g ( b ) letter of validations that requested various documents that substantiates the debt and the amount attempted to be collected on is accurate. I received a XXXX XXXX ( See attachments ) that shows the original debt of {$750.00} with XXXX Hospital. Progressive failed to provide the documents requested that shows that I have entered into an agreement by way of signed contract or judgement with XXXX Hospital and/or XXXX to pay interest or additional fees on the principal balance owed to XXXX Hospital for a debt I allegedly owe and that the debt belongs to me. 

This is a violation of 15 U.S. Code 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

and Violation of : 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the  character, amount, or legal status of any debt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay a monthly service with XXXX owned/controlled by experian, for {$19.00} a month. Every 90 days I get transunion and XXXX  Report as well. I just received XXXX  and XXXX  a week or two ago From experian and I did not see any errors or problems with either account. TodayXX/XX/XXXX I went to do a dispute online because of a personal loan on XXXX, only to find on my credit report with XXXX, multiple misspellings of my name and phone numbers that are not mine. Im paying for a service only for experian to provide me a fraudulent and inaccurate report from XX/XX/XXXX. There shouldnt be different information on different reports from the same consumer reporting agency. Especially where Im paying for a service and experian is lying/hiding information from me. I just had a company pull a credit check on me for a loan from XXXX XXXX over a month ago and clearly there was fraud and lies in my account with XX/XX/XXXX. I can only imagine my report was masked by experian to harm me. If they are pulling from XXXX   and XX/XX/XXXXit should be the same exact report and information if I logged into Each agency separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX has agreed to delete the account XXXX   XXXX/XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, Transunion and XXXX have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Nelnet a letter on XX/XX/2017 informing them of the inaccurate information on my credit report and requesting validation. No response was ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I been having the same problem with these 3 collection companies and I been telling XXXX and Experian that those were fradulant accounts not opened up by me and for those companies to produce documents with my signature on it or who did they speak to, to verify these claims and till this date I have not received anything from them. This is harming my credit and needs to be deleted and updated. I never got into a contract with those companies bullying me for money, I never signed any paperwork with them and they need to remove those fraudulent reports off of my credit report.
Product: Vehicle loan or lease

My son who is the primary signer and I am the co sjgner and mother/ veteran needed a reliable vehicle to attend college across town. I hate dealing with car dealerships too many games and lies then the amount of long HIOURS they spend wasting my and his time. He and I spent about 2 weeks searching dealerships but my sin didnt have credit therefore its like he being punished before he can prove himself. I kept sayng NO to most because they overcharging a lot on the lian. Then I had to be placed on the loan which I really hate but that was the only way he could be approved. We took a break from visiting with the dealerships because the dealerships had applied for 6 or 7 bank loans per visit so the numbers got up to 30 plus dings then a week after the last visit the dealer called my son and stated they were referred by a previous dealership. They claimed once taking his info that they could get him into a vehicle that day .Then of course once there that was not true and after giving my son keys to try out a few cars of his liking ... .now his information was not approved and I needed to co sjgn ... I was XXXX!! We always asked for a vehicle under XXXX and payments to be below {$300.00} but by the time the loan supposedly got approved the car payment was close to {$14000.00} or {$15000.00} and these are vehicles with over XXXX miles!!! We visited over 7 dealerships all the same tactics. My son was tired out and begged me to let the deal happen which of course he regrets now. He placed XXXX and would add another XXXX when he got paid. Now they requiring more on the down payment like {$1400.00} he had to pay this amount and once that paid then they would start taking his car payments at {$420.00} a month for a XXXX XXXX with XXXX MILES!! I still upset too much being paid on a high mileage vehicle. Then I told him well next month we will have to get it refinance to more reasonable monthly payments. We go to refinance and to our dismay we couldnt ... XXXX XXXX or CNAC CARNOW ACCEPTANCE COMPANY was a BUY HERE PAY HERE dealership ... .I NEVER HEARD OF THIS and again I was very XXXX  that we cant refinance with anyone!! I wish I had been told that before we signed those contracts. Then when I did some more research an earlier dealer in XXXX  XXXX we got the car but once I did a search on the car ... .overcharged like the others ... so I turned the car that had a door like it was about to fall off and part under the car had came loose and was hanging down ... the keys and car given back and loan was cancelled. Now a week later the loan now was traced back to the same place but now the location is in XXXX, Arkansas not XXXX XXXX, Arkansas this time we are stuck with this high interest rate loan ... ..then XXXX  XXXX keeps informing me ... we are overpaying and need to refinance BUT WE CANT!! So its being rubbed in our wound every month my son pay that {$420.00} plus insurance. Please is it legal for BUY HERE PAY HERE lenders to function in this matter and if not these people are making a ton of money on HIGH Interest loans on HIGH MILEAGE OLDER VEHICLES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute certain violations of the Fair Credit Reporting Act ( FCRA ) by the creditors listed below. These violations have adversely impacted my credit history and financial well-being, and I kindly request your intervention to ensure that the legal provisions outlined below are enforced. 

XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : XXXX Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX  XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : N/A Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) These violations have caused significant distress in my life. For instance, the inaccuracies in my credit report have hindered my ability to secure favorable interest rates on loans, jeopardizing my financial stability. As a direct result of these violations, I faced a heartbreaking situation recently. 

I was in the process of purchasing my first home, an achievement I had been working towards for years. The culmination of savings and sacrifices was on the brink of fruition. However, due to the incorrect information on my credit report, I was denied a mortgage loan that I had been pre-approved for, based on inaccurate credit scores. The emotional toll was immeasurable my dreams dashed, and the stability of my family compromised. 

I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and request that the following actions be taken : Conduct a thorough investigation into the violations committed by the aforementioned creditors. 
Ensure that these creditors provide accurate and updated information to the credit reporting agencies. 
Facilitate the removal of unverified and inaccurate accounts from my credit report, in accordance with FCRA regulations. 
I understand the importance of accurate credit reporting and its impact on consumers ' lives. Your intervention is crucial in rectifying these violations and alleviating the hardships I have endured due to these inaccuracies. 

I sincerely thank you for your attention to this matter and appreciate your dedication to upholding consumer rights. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX
Product: Debt collection

hi Midlandmcm ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

Capitol One Walmart XXXX, XXXX, XXXX Customer service Supervisors. 
Poor customer service when trying to resolve debt issues. 
Credit Card balance still in debt after paying settlement amount. This company is ripping off consumers affected by COVID 19. Capitol One Walmart is still charging late fees on debts during this horrible pandemic.Taking advantage of consumers with false unclear settlement agreements. Walmart Charged XXXX on XX/XX/2020 to my bank card under false acknowledgement from phone Rep XXXX XXXX that after payment processed I would be debt free. I find out a mouth later I still owe a balance of XXXX. Every time I called CS I was bounced around from dept to dept never to resolve issue. This Credit Card company is not trustworthy and money grubbing consumers during COVID-19.This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXXXXXX XXXXXXXX acct # 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