23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 Navy Feder credit union removed $ XXXX from my personal checking account without authorization or prior notice. I have a third party handling settlements with NFCU. This is a poor practice and automatic drafts should not be made without the account holders knowledge. These funds were part of the most recent economic stimulus package and should not have been taken by NFCU. I have contacted NfCU and was placed on hold for nearly an hour after being passed from person to person to try and resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in the Equifax breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a CFPB complaint ( XXXX ) accompanied with my FTC report as well as an affidavit, copies of my identification notifying you ( Experian ) of inaccurate bankruptcy filings being reported on my consumer credit report as a result of identity theft not related to any transaction of my own. On XX/XX/2022 you responded to my filing stating that you are in the process of contacting data furnishers to verify accuracy of information. This is a direct and blatant violation of 15 U.S.C 1681c-2 which clearly states : " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ''
Product: Vehicle loan or lease

Due to pandemic and me going into XXXX XXXX currently on XXXX I was know longer able to afford payments on vehicle I had never been late with car payment once the pandemic hit and I became unemployed got sick and XXXX XXXX I ask bb & t can I surrender vehicle they stated if thats what I want to do. As I patiently pray for recovery of my XXXX XXXX and wait for a vaccine I have not been back to work once things turn around for me I would like to move forward in life I dont want any setbacks due to the blemish of charge off attached to my credit file I did not ask for this hardship and was a responsible consumer I would like the issue to be rectified. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of identity fraud with Equifax has been filling disputes with them for 5 years they never send any results for they dispute with me. I disputed all negative items and things that wasnt mine on my credit report with them a month and half ago and have not received any written response from them about my dispute letter instead they are reporting incorrect balances in my credit report and refusing to update any information that is not correct I spoken to a Supervisior there XX/XX/2023 and was advised they will dispute the items I just in question still no response With XXXX they are reporting incorrect balances on my account and instead removing the debt that cant verified they leave the account as closed but dont report any balances I have been requesting proof of validation of debt and they have no provided it to me.
Product: Debt collection

This debt is over XXXX XXXX XXXX, and I am on XXXX. I sent them the paperwork to let them know I am exempt. They still garnished my check ; I work part time. There documents are false. There is no judgement against me. Please help me.
Product: Student loan

To Whom It May Concern, In advance, thank you for your time with investigating this submitted issue. To begin, my student loan accounts ( federal/private ) were originally assigned to XXXX XXXX but were reassigned to Navient a few years ago. Unfortunately, due medical/financial reasons lead me to file Chapter XXXX XX/XX/XXXX, which XXXX XXXX was the provider at the time. Essentially, my bankruptcy case was discharged XX/XX/XXXX in which there was no correspondence or communication of student loans payments sent to my residence or phone calls. 

Oddly, I discovered an email nearly 8-10 months within my " Junk '' folder from Navient ( unknown source at the time ) about payments past due. As a result, I contacted Navient to further investigate the suspicious email and was advised they assumed ownership of my student loan accounts. Immediately, I requested to consult with a supervisor to obtain the reason why I was not contacted via letter/phone call/etc about this matter. Upon further review, Navient had " out-dated '' contact information and claim there were no other source of contact. Furthermore, my contact information was updated and payment arrangements were established. 

In the meantime, I requested my credit report 2-3 month later and noticed numerous late payments were listed during my bankruptcy period and during the discharge process. Immediately, I contacted Navient to inform advise them of the late payments on my credit report in which the supervisor advise she will submit a request to have all the previous late payments removed. Unfortunately, the late payments still remain on my credit report and the supervisor that was assisting me through the duration of this process is no longer an employee of Navient. 

In closing, I 'm desperately requesting assistance with this matter which is preventing me from restoring my credit history and obtaining new feasible loans ( auto/home/etc. ) to support my family. Overall, this neglect from Navient is unfair my credit history that reflects events that I did not intentionally/unintentionally commit but suffering the consequences. Lastly, I sincerely hope substantial evidence will be revealed to resolve this matter. 

Again, Thank you for your time ...
Product: Student loan

A scam company, XXXX XXXX XXXX XXXX, is calling those with existing loans and claiming they have a special deal for a limited time that only a select few have been chosen for. The number provided is a dead end # XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account Reported by Eastern Account System Dear Equifax, I am writing to formally dispute an account reported by a collection agency named Eastern Account System that appears on my Equifax credit report. Based on my research, XXXX XXXX  XXXX is not registered or licensed to collect debts in my state of California, as confirmed by the Nationwide Multistate Licensing System ( NMLS ). Therefore, their collection activities are unauthorized and unlawful in my state. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into this matter. As this collection agency is not legally authorized to collect debts in California and the account can not be verified as legitimate, I demand that this account be permanently deleted from my credit report. 

To support my dispute, I am including : A copy of my government-issued identification to verify my identity Proof of my California residency Please complete your investigation promptly and provide written confirmation once this account has been permanently removed from my credit file. Reporting inaccurate and unverifiable information violates my rights as a consumer under the FCRA, and I trust Equifax will address this issue in compliance with federal law. 

Thank you for your attention to this matter. 

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

I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 TransUnion : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020
Product: Mortgage

1 ) Chase did not send me the actual signed modification agreement in the package. 
2 ) Chase did not properly apply payments to any of my principal balance. 
3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 
4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.
Product: Credit reporting

Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.
Product: Debt collection

Synchrony Bank continues to charge interest to a furniture purchase I made at Ashley Furniture store in XXXX. The have engaged in deceptive business practices and a series of omissions and misrepresentations including : 1. I did not receive written monthly statements 2. I was not contacted in any manner with notification that a promotional rate was expiring 3. The automatic monthly payment schedule was set up incorrectly 4. Synchrony has been unable to provide the actual invoice and rate/terms. In a letter dated XX/XX/XXXX, they state that they " have been unable to locate the specific sales receipt for the date and amount specified. '' 5. Since the discovery of the error, Synchrony has been unable and willing to resolve the error regarding the remaining interest on the account ( {$2800.00} )
Product: Credit reporting or other personal consumer reports

I completed a legal name change. My name was XXXX XXXX XXXX. My name has been updated to XXXX XXXX XXXX XXXX I have a court order signed by a judge, my license, social security card and birthday has been updated. 

They requested that I mail a copy of my social security card, that does not seem secure or safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter ( certified mail ) requesting a free copy of my consumer file because I had been a victim of identity theft. I attached my Driver 's License and Social Security card with the letter. CoreLogic Credco responded by asking me for more verification of my identity and they said a XXXX XXXX XXXX XXXX would be applicable. XX/XX/2022, I sent another letter ( certified mail ) stating that all sources and report recipients should also be included in my consumer report and that I've also attached all the requested verification of identity. XX/XX/2022, I received CoreLogic Credco 's response stating that they " do not have the report you requested based on the information you provided about yourself and the report. '' I provided more than enough verifiable identification and CoreLogic Credco refuses to release my consumer file, sources and report recipients. A full investigation for identity theft can not be done without the release those documents from CoreLogic Credco. CoreLogic Credco is in violation of 15 U.S. Code 1681c-1 ( 2 ) ( A ), 15 U.S. Code 1681c-1 ( 2 ) ( B ) and 15 U.S. Code 1681g
Product: Credit card

The reason for me closing this credit card was because the harsh interest fees I was receiving once I brought that to the companies attention. They agreed they werent going to charge me for the fees anymore, but I decided to close the account the late fees they are charging me {$40.00}. It is absurd and it makes it difficult for me to pay off the account. I dont receive late fees all the time but the way they are Accepting the payment I have to pay it in full. How am I ever going to close the account when they harshly charge me all these fees the card was originally a {$700.00} limit when I close the account they charged me {$700.00} again it was at {$1300.00}. The balance is at {$800.00}. Its been the same for months. Ive been paying hundreds of dollars seem as if my balance is staying the same then theyre hitting me with these fees. It needs to Stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting

There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts # 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 credit reporting agency Can not furnish a account without my written instruction. 

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

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Product: Checking or savings account

First, the standard complaint questions do not accurately describe my situation. I hope you can still help me. I had a bank execution entered against me. I have been told the bank did not do the execution properly. The execution was dated  XXXX /17. It was served on Key Bank on  XXXX /17. It was mailed to me on  XXXX /17. The letter I received from Key Bank did not explain the proper process for filing an exemption claim form in CT. Instead of telling me to fill out the exemption claim form and take it back to Key Bank within 15 days to prevent my money from being taken, the letter told me to contact the State Marshal who served the bank execution on me. The letter did not mention that if I took the exemption claim form to the bank, it would mail it to the court and a hearing would be scheduled. The letter did not mention anything about certain monies, such as Social Security, being protected from execution. I did n't understand all of the papers attached to the letter. Finally, although the funds in my account were all from Social Security, the bank is charging me a {$100.00} service fee and the Marshall is charging me a fee for serving the execution. I contacted legal aid and was told to file an exemption claim form with the court. I have a hearing scheduled   XXXX   XXXX  , 2017 and expect to get my Social Security back. I do not know if I will get the service fee or Marshall fee returned but both should be returned.
Product: Debt collection

Received a Text from XXXX saying I owed money form a XXXX I had back in 2020 for a XXXX XXXX. I have called my doctor and the hospital, and no money is due. I actually received a refund from the XXXX center. 

The lady said I owed the money and that she was going to apply a XXXX late fee and then hung up on me. 

I believe is company is a scam and needs to be shut down! 

Assured Financial is the name of the company trying to say I own this money. 

My questions is how they got this information. They had my XXXX date, doctors name and address.
Product: Debt collection

I contacted original creditor and made arrangements before Transworld turned into collection. I have paid the creditor in Full and when I asked for validation from Transworld they didnt validate and reported a negative Balance. Transworld is fraudulently reporting a balance because I didnt pay Transworld I paid the creditor! I want Transworld to remove this collection ASAP. Last update was XX/XX/14 when Transworld stayed I still owed. However, I have a statement from original creditor a month before Transworld reported showing 0 balance. They never validated as asked by myself and credit bureaus!
Product: Student loan

My loan started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove 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 XXXXXX/XX/XXXX
Product: Debt collection

I called. No answer. But they ran my credit and I have no business with this company.
Product: Credit reporting or other personal consumer reports

Due to the recent lawsuit filed against Experian on XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. I will explicitly say I do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal please delete the disputed information within required timeline of 30 days as set forth per the FCRA which is federal law. 

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  I requested **original documentation** to verify these accounts, including a signed contract or application and proof of my authorization. Despite providing all necessary supporting documents ( government-issued ID, proof of address, Experian failed to verify the disputed accounts or remove them within the statutory 30-day period.

This failure to act is a violation of **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, which mandates a reinvestigation of disputed information within 30 days.