23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was in bankruptcy. It was discharged in XX/XX/XXXX. My student loan with Navient was listed under the discharged debts. I knew this was unusual, so when Navient sent me a letter I told them that it had been discharged. I offered to send them the paperwork, but they said they would research and get back to me. I got another letter some months later, called, got same response. This happened again, in XX/XX/XXXX, and the person on the phone said OK, he would note it and that it would be resolved.

I then went earlier this year to get pre-approval for a home loan and found out I was in default and on the XXXX  report, essentially preventing me from qualifying.

I immediately contacted the company, XXXX, and spoke with a person concerning. They asked for the actual court documents, which I sent to them. They had someone research the issue, even spoke to the attorney that handled the bankruptcy, and called me back. They explained my error in reading the discharge. I immediately worked out a repayment plan, but now I can not qualify for an FHA loan.

I feel that if Navient had taken the time to research the dispute, as XXXX  did, this issue could have been resolved in XX/XX/XXXX, and I would not be in the situation I am in now.

I am extremely irritated with Navient for its ' cavalier attitude about this loan issue. I know that I made a mistake in interpreting the discharge, but if Navient had made any effort at all this could have been dealt with in XX/XX/XXXXinstead of XX/XX/XXXX, and I would not be blocked out of the home loan process.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( XXXX, Experian, XXXX ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} Collection Credit card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Collection Car Insurance XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Collection Phone Bill XXXX XXXX  XXXX XXXX XXXX {$1200.00} Collection Furniture XXXX XXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part.

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.
Product: Debt collection

I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time creditors runs a credit check on me, my sister 's name, social security, as well as her credit history appears in place of mine. We have similar names and social security numbers. I have no credit whatsoever, and I am trying to build my credit but I am not able to do so until this mix up is fixed. Today, XXXXXX18, I received a credit report from Experian that belongs to my sister, but has my name and address on the report. I 've been trying to resolve this problem with Experian personnel but to no avail. I have been placed on hold for over an hour and it seems as if they are not willing to help even after I have done all they have asked from me. I have submitted colored photo copies of my social security card, drivers license, bank statements to Experian. This is very frustrating because I ca n't be added to mortgage, apply for credit card, finance on a vehicle until the mix up is fixed.
Product: Credit card

My wife died last year XXXX/XXXX/2015 She had a credit card with Bank of America. 
It is not and never was my account. ( I was an authorized user only ) I never gave permission to Bank of America for this account to be my responsibility. 
Bank of America put my name on this account with out my permission. 
When my wife passed away Bank of America took my wife 's name off the account. 
Bank of America then put my name on the account alone with out my permission. 
I sent certified mail from the time of discovery disputing this account to Bank of America. 
Bank of America refuses to prove I have any responsibility for this account. 
Bank of America is hurting my credit and demanding payment and collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent Transunion and XXXX  a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did Transunion and XXXX and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the accounts in question : XXXX XXXX XXXX XXXX  acct : XXXX XXXX XXXX XXXXXXXX installment acct : XXXX XXXX XXXX XXXX Acct : XXXX Collections account XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account : XXXX
Product: Credit reporting or other personal consumer reports

I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/2019 my husband and I went to XXXX for vacation at Now XXXX XXXX. We were approached by salesmen from the XXXX XXXX XXXX in the resort lobby.They wanted to give us information on their club. There was intense pressure from the salesmen. We told them we were exhausted from an early flight and needed to relax. They asked us to meet them for breakfast next morning at the resort where they began their heavy sales pitch. They took us to office promising all these perks for joining club. They said it would cost $ XXXX/person / night which would pay for the food and drinks at resort. There would be an annual fee {$150.00}. No other fees but more perks ; i.e. coupons to use at each resort. They pushed alcohol on us. They had a bar in their office which had several people walking around waiting to pop a bottle of champagne after we said yes. They pushed alcohol on us from the beginning. The total cost was {$40.00}. They wanted {$20000.00} down. We didn't have any high limit credit cards on us so they talked my husband into opening a card with XXXX XXXX  for {$13000.00}. We are disputing that with XXXX now. XXXX said that the application was approved under a dubious guise. The additional amount of {$7800.00} had to be wired by XX/XX/XXXX to make the 50 % down. When we got home I called the booking receptionist to check on a resort of theirs in XXXX XXXX. She said with a promotion in XX/XX/XXXX it would cost $ XXXX/night/person. She said there weren't any rooms in any of the resorts that were $ XXXX/night/person.  The contract is full of many fees that wer n't mentioned during the sale. They gave us other benefits while we were there, such as expensive dinners, boat ride, tickets to musical show, massages, upgraded our room. No mention of having to pay anything back. These were gifts. After getting home we saw in contract that there were many fees not mentioned, plus they could go up on fees in future. We have sent an email to the company. We don't expect to hear from them. Their bank is bank XXXX but the money transfer was to XXXX XXXX XXXX.
Product: Checking or savings account

I have made several cash deposits resulting in my account information saying I withdrew. I have done this several times with managers watching and it continues to occur. I have had transactions from my account through the atm that I did not make. I contacted fraud, managers, they say they need to look into it. I have lost close to {$1500.00} in the past month.
Product: Debt collection

Synchrony bank keeps relentlessly sending me emails about a Walmart card I did not create or use to buy anything from like 2 years ago. Wo n't leave me alone or anything when I tell them I made no such card or purchases. They charged interest on a XXXX dollar overdue amount from 2015 it says and now they want me to pay XXXX dollars for things I did n't even buy!!!
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and i noticed some things are both incomplete and inaccurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. these accounts ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX Collections : account number # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX it states Opened XXXX on XXXX it states Opened XXXX ) ( Equifax still says collection account still open. ) The opened dates are not reporting correctly, these accounts are not accurate. all XXXX credit bureaus have diffferent reported information and dates.
Product: Debt collection

On or around  XXXX   XXXX ,  2013, I w as made aware of a credit card opened in my name with several charges I did not induce. Upon calling  XXXX   XXXX , I was given the run around and eventually was told there was nothing they could do. Since then, the account was tossed into collections with a company named  Portfolio Recovery Associates, LLC.  I have since attempted several times to contact them to inform them that his debt was not mine, only to be told otherwise, that I was indeed responsible for it, and even had threats of wage garnishment if the amount of {$390.00} was not paid. I was told today after I called asking for a settlement cost that it would be {$310.00}. As I was about to pay, my wife told me about CFPB and you  may  be able to help. I look forward to working with you to have this taken off my credit report. Thank you!
Product: Checking or savings account

My account was {$69.00} to the good when bbva decided to first hit me with overdraft fees of {$38.00} each. I had a {$4.00} charge, a {$16.00} charge, another {$4.00} charge, and a {$15.00} charge. That adds up to {$39.00}. None of these fees should of been charged. The way the put it through was to make sure they got {$150.00} from me. This is bogus and I need all 4 fees refunded.
Product: Checking or savings account

I tried to make a transfer to one of my external accounts on file and was told a transfer was limited to XXXX daily ... ..? I found that weird, since they don't have limits when the transfer is coming into my Acct ... ... .Is this LEGAL?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate information on all 3 credit reports from XXXX, Equifax, and XXXX for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Product: Mortgage

My name is XXXX XXXX, I am the widow of XXXX XXXX and the executor of his estate and legal heir to this property as ruled in the state court of Montana. I am embroiled in a conflict with my mortgage servicer Nationstar, who has obstructed my attempts at modification and resolution of my loan by continually questioning my rights as the legal heir and forcing me to provide the same documents over and over again. As a result of these games that Nationstar is playing, my home went up for a foreclosure sale. I am a widow living on fixed income and taking care of my XXXX year old son. This is not right!! 

My husband and I purchased this home 9 years ago. He was the breadwinner while I stayed home to take care of my XXXX son. My husband ( the listed borrower XXXX XXXX ) passed away in 2012. I was named the executor of the estate and the rightful heir and have all of the necessary court documentation to prove this. I assumed the mortgage and continued making the mortgage payment as agreed for nearly two more years. However, as a widowed mother on fixed income I did not have any type of safety net and when I had a major plumbing emergency due to the main water valve pipe breaking I was in big trouble. I had to take care of this and the out of pocket costs were nearly {$3500.00}. Due to this emergency I started sinking financially and eventually missed my mortgage payment and desperately tried to figure a way out of my financial hole. I contacted Nationstar but they were not helpful at all. I was not even aware that there were programs available to help homeowners until I saw a commercial on TV about the Obama HAMP program. 

After learning of this program I contacted Nationstar again, and NOW their agents admitted there were options for help. I sent all of my information in for review and tried repeatedly to follow up and get updates. However, at every step of the way Nationstar obstructed the process -- I was continually grilled about the ownership of the home, about the survivorship and executor of the estate paperwork etc. I sent these papers in at least 4 different times but Nationstar seemed to lose the papers every time. I was never able to get anywhere with Nationstar. Instead of working with me Nationstar tried to auction off the house.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : 11 Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Equifax. I checked my Equifax consume credit report online.My name is incorretly spelled out. My XXXXersonal Information show that I lived in XXXX different address at the same time. Check the DATES. THE DATES ARE INACCURATE. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The former address is inaccurate. The former address needs to be deleted. The current address is inaccurate. The XXXX XXXX should not be added. The current addres need to be updated. I have added documents from the Equifax website and documents of my address were I have been living sents XXXX. I couldn't have lived at another address in XXXX. That's Impossible. This is a violation of 15 USC 1681.
Product: Credit card

a credit card statement I received from Bank Of America for which I do not own. I have no accounts with them. I tried to call them using a web site number but the wanted my full ssn
Product: Debt collection

I have been trying to validate a debt for more than 2 months, on repeated occasions I have sent communication of all kinds. I have even made previous complaints to the CFPB. 

I have an alleged debt in collection, the alleged debt with the account number ending XXXX belongs to XXXX XXXX. A letter arrived indicating the alleged debt and that it is owed to Radius collection systems. The two times I have requested to validate the debt, XXXX XXXX responds by giving incomplete information or sending letters indicating that they do not have that information in their systems. If they can not validate the debt it should be eliminated, I have evidence of letters sent by XXXX indicating that they do not have that information, which I attach. Radius Global Solution LLC has not responded to my dispute letter and it must be deleted. The law indicates that they have a XX/XX/year> period to validate the debt and it has been more than two months and they can not validate it. They are breaking the law and violating my rights as a consumer. I contacted Radius and XXXX responded indicating that it has no information that may be in the future. The reference number with Radius Global is XXXX