23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I learned that Navient was reporting student loans that I have no knowledge of to credit reporting agencies. This was first brought to my attention in XX/XX/XXXX by a bank, when I went to attempt to purchase a home and on XX/XX/XXXX, I checked my credit and saw a huge drop in my credit score caused by Navient ( amount of $ XXXX ) in addition to XXXX the bank made me aware of. On XX/XX/XXXX I contacted Navient and after providing them my address and phone number, found out there were apparently several different phone numbers tied to my social security number/account. Navient stated that I had co signed 5 different student loans with disbursement dates of :XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX( {$2000.00} ),  XX/XX/XXXX ( {$3500.00} ),? XXXX ( {$4000.00} ) and XX/XX/XXXX ( {$7000.00} ). They informed me that these were private loans and that I signed a promissory note that I know for a fact I DID NOT SIGN. I had no knowledge of these loans and have loans ( XXXX XXXX ) with the Department of Education. Navient informed me that the outstanding balance to date was $ XXXX and has reported a total of over $ XXXX to the credit bureaus in addition to reporting late payments of 90 days past due, yet informed me that last payment received was inXX/XX/XXXX. I am in need of assistance. I have requested their promissory notes and was informed that I should receive them within 7-10 days. All information provided ( loan account number, dates, amounts, etc. ) in regard to this loan was information I obtain when I contacted Navient.
Product: Vehicle loan or lease

I applied for an auto loan ; my credit score is 810+ with all three credit bureaus. PenFed requested that I provide additional identity proof such as utility bill, driver 's license, passport ( or government issued identification ), social security card in color. I have presented in color the following to verify my identity : Two utility bills in color, social security card in color, and my state gun carrying permit in color. PenFed is refusing to accept my State issued Gun Carrying Permit as identification when their instructions say a government issued ID such as driver 's license or passport. Such as mean that you are not limited to those two items ; but any government ID would satisfy this requirement. I will upload for your inspection their identity requirements and all forms of verification I have sent them. I view this as another way to deny me credit, since they can not base on my credit score of 800+. They refused to accept previously sent documentation in black and white. I had to go to XXXX XXXX to meet their color only requirements and resend them. I have been sending and resending identity documents since XX/XX/2022.
Product: Vehicle loan or lease

The car was totaled out in XX/XX/XXXX of 2020. A check for the car was sent on XX/XX/XXXX for an amount of {$8400.00}. When the check failed to arrive the first time a second check was sent out on XX/XX/2020 in the same amount. I have contacted Hyundai Motor Finance about this on numerous circumstances and was given a run around. Today when I called I was told that my insurance needed to still send in a couple of documents still. I emailed my adjustor and he said that they were already sent in to HMF. I called back within 30 minutes and was told that they were closed. I had my father call and he was given the same run around that I was just given and know can not get in contact with them again as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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
Product: Mortgage

On XX/XX/XXXX, I paid my XX/XX/XXXX mortgage payment in the amount of {$1600.00} to Ditech and my XXXX XXXX XXXX account was debited on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from Ditech that my escrow account was short and noticed a late charge in the amount of {$59.00} was assessed to my account. I called Ditech and spoke with a customer service represenative about the late charge. During my conversation with the respresntative, the representative stated that I have until XXXX to make my mortgage payment and my payment was received at XXXX. I explained to the representative the cut off time for making mortgage payment isn't on the bill statement and I asked how would a customer know this information if the information isn't on the billing statement. The representative was unable to answer my question and advised a manager by the name of XXXX will call me back within 24 hours. 

As a result, the manager never called back and I received the XX/XX/XXXX billing statement stating my mortgage payment had not been received with the late charge assessed to my account. 



Thank you
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ABILITY RECOVERY SERVICES # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABILITY RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  ABILITY RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ABILITY RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ABILITY RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date : XX/XX/24 XXXX XXXX XXXX. 
XXXX, VA. XXXX. 
E-mail address : XXXX Experian po box XXXX XXXX, TX XXXX Report # XXXX Subject : Dispute about inaccurate personal information. 

I have previously filed a dispute concerning the accuracy of my personal information ; however, Experian continues to report this information incorrectly. I am hereby formally disputing the accuracy of certain personal information contained in my credit report as maintained by Experian. Upon reviewing my report, I have identified discrepancies that I believe necessitate correction to preserve the integrity of my consumer report. 

These specific inaccuracies are as follows. 

NAME : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, The correct representation of that name is [ XXXX XXXX XXXX ] this is the name on my Social Security card, Passport, and Voter Registration. Please remove all other spellings and variations of that name. 

ADDRESS : 1. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX, 2. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX 3. XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

The correct place I am residing at is [ XXXX XXXX XXXX  XXXX VA XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. 

My correct phone number is [ ( XXXX ) XXXX ] Please remove this inaccurate, unfair, outdated, and fraudulent personal information from my personal credit report. I am not associated with any of these phone numbers being reported by your agency. 

Reporting this inaccurate information violates confidentiality of my personal information. I was not contacted by your agency to determine whether this information was accurate or inaccurate. Which violates the reasonable procedure clause in 15 USC 1681 B.

I am requesting that these inaccuracies be investigated and corrected at your earliest convenience. I have attached copies of relevant documents that support my claim. Including.

1. Drivers license 2. Passport 3. Social security Card 4. Voter registration documentation Please confirm receipt of this letter and let me know how you intend to investigate this matter. I appreciate your attention to this important issue and look forward to your prompt response. Thank you for your assistance, Sincerely. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appeared on my credit report from XXXX XXXX, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XXXX reports but still remains on Equifax. I've since put a 7 freeze on for all the credit bureaus. I contacted XXXX, XXXX XXXX again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/Equifax and reached back out to XXXX again to request this removal. There was no change. I submitted section 609 letter Equifax sent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted Equifax and they have my documents on file but state the were not able to remove from my report due to the letters from XXXX were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan from wells fargo dealer and noticed i was marked late for every payment on my credit report. I called wells fargo dealer services for 3 months and they reported they were charging me for car insurence as well I already had my own car insurence and provided proof.
Product: Checking or savings account

I submitted a dispute and on XX/XX/XXXX, I received a response from Navy Federal stating the dispute was resolved in favor of the merchant because I had not submitted the requested documents. I called them and someone assisted with pulling the documents I had submitted on XX/XX/XXXX. I spoke with someone else and she advised me that in her experience, I needed to provide a detailed invoice, and that was probably why it was also denied, since they did not have that. I resubmitted the invoice and it showed the tracking number and I submitted the photo of the house it was delivered to, also showing the tracking number from the invoice. I submitted a photo of my house showing it was not delivered to the correct address. On XX/XX/XXXX, they resolved the claim in favor of the merchant stating they said it was delivered on XX/XX/XXXX. My photos clearly show it was delivered on the XXXX as well, but not to my house. The supervisor said she spoke with them and their response was for me to file a claim against the shipper. I did not do business with the shipper, my dispute is who I did business with. It would be up to the merchant to file a dispute to get their funds back for a service they paid for and did not get from the shipper. I am providing XXXX photos. XXXX will show my order with the total. I did receive XXXX item, from XXXX, which I have stated and not disputed. Another photo will show the items with the tracking number. The next photo will show where the item was delivered and the tracking number. The final photo, the black door, will show my house, which is clearly not where it was delivered. For my bank to tell the member, after they see the evidence, to go after the shipping company, is beyond acceptable. If they are the ones who do the disputes, they would know this is not possible and should have given this advice to the merchant, who can actually make an insurance claim against the shipping company, since they paid them.
Product: Money transfer, virtual currency, or money service

I want to link my bank account to XXXX XXXX app and PNC won't allow me. 

Its MY account and MY money and that is MY right. 

I have 0 % XXXX issue finding a new bank.
Product: Vehicle loan or lease

My name is XXXX XXXX had a car loan with chase bank I was hurt and out of work the payment fell XXXX months behind they repossessed the car on XXXX XXXX they claimed they had been looking for weeks it was in my driveway every day when they came to repossess the vehicle I willing handed them the keys because I knew on XXXX XXXX I could finally pay in full and be current again I called chase the next day on Thursday to find the total amount and informed they I will be bringing everything current on XXXX the XXXX that Friday the agent said I could only get the car back if I paid the XXXX loan in full talked to a supervisor he said the same thing and if I could not pay the full balance on XXXX XXXX XXXX I would now be responsible for the difference between the sale and balance owed that is not right I tried to avoid the situation bring the loan current now that I was back to work but they declined fine but you can not hold me responsible for the balance of the loan if the sale price does not cover it because I attempted and asked repeatedly to let me bring the account current and continue payment as agreed they refused I want them to to not hold me responsible for their decision to not take my payment and continue the loan that was their decision and it should not effect my credit
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Debt collection

A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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


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


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Debt collector calls. agent refuses to re-identify himself when asked because could not be understood with accent and is attempting to collect on a time barred debt with no mention of the fact that it was time barred, a clear violation of section 807:10 of the FDCPA. Agent gave my PPI out over the phone without first verifying he was speaking to the correct party which should be a breach of the FDCPA on communication with third parties. Additionally the company has failed to send the required Validation Notice on this debt before communcating with me via phone. Even if the debt collector realizes their mistake and sends the notice out within 3 days as required by the FCDPA the agent demanding payment without giving me a chance to dispute the debt which overshadows the validation notice and puts them in violation of CFPB Regulation F - 1006.34
Product: Payday loan, title loan, or personal loan

I received a text from Dave Banking giving me a verification code, but I never requested this code. Went to my Dave app and seen that someone requested an extra cash advance on XX/XX/XXXX, I never requested this advance. I emailed Dave numerous times to let them know there was fraud on my account, but always get the same response telling me how to collect the advance. Have tried calling them every day, but you can never talk to anyone. They will take the money out of my checking account when I get paid on the XXXX. I do not want to pay back XXXX that I never received. Tried to close my account, but it wont let me because I have an open advance. This is by far one of the worst companies I have ever dealt with for customer service!
Product: Bank account or service

When I opened my citi gold checking account with Citi I was told I would get XXXX XXXX airlines miles if I met certain conditions. I chatted with a citi representative during the promotional period and they said I had met all but one of the requirements, an online bill pay, which I proceeded to then complete on XXXX XXXX. I still have not received the miles and I have contacted Citi 4 times over the course of a month about the issue with no resolution or even response from the appropriate team. I will attach the promotion details, the conversation I had with the citi representative promising the miles if I completed the bill pay as well as the statement showing the bill pay on XXXX XXXX. I have also attached the XXXX statement showing that I met the other requirements, but the rep conversation should be enough to show that those requirements were met.
Product: Vehicle loan or lease

Bridgecrest was the fiance company they took the vehicle after it had so many problems and i told them the vehicle was a lemon the they harrased me to pay for it and i was making my payments even when i was not able to drive it. Then i told them it was not right that carvana sold me a lemon car. Then it goes to auction n they sold it for like 3 %. Now its messing up my credit terribly where i can own another vehicle
Product: Credit reporting or other personal consumer reports

Each credit report shall report as paid as agreed though out the payment history or the XXXX will see things my way. Experian and XXXX for reporting inaccurate information. Update the payment history to paid as agreed in the payment history for Experian and XXXX immediately Account name : XXXX XXXX XXXX  Account # XXXX
Product: Debt collection

This company started requesting I pay off a debt to a fitness gym Ive never entered or remember enrolling into, they threatened if I didnt pay they would be reporting to my credit bureau and it would impact my credit. They have been holding my credit XXXX for a payment to a gym I never been to or signed up to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete this investigation?