23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to receive letters from The XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX advising my loans are in default which is incorrect and a blatant lie. I believe they are trying extort full payment of my loan to keep the information off my credit record. I am current on my loan payments and have been current for approximately several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act, This creditor has violated my rights under 15 USCS 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section XXXX it also states a consumer reporting agency can not furnish an account my without written instructions Under 15 USCS 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
Product: Debt collection

On Thursday XX/XX/XXXX, I received an alert via my credit monitoring stating two new collection accounts were now reporting. The two companies reporting these unknown collection accounts are : ( 1 ) Southwest Credit System ( 2 ) XXXX XXXX XXXX I want to be VERY CLEAR, I received NO notice from either of these companies. I don't owe either nor have I ever had any accounts with these companies. By law, I am afforded the opportunity to receive a notice from a collections company PRIOR to placing any item on my credit report. I demand both ( 1 ) Southwest Credit System & ( 2 ) XXXX XXXX XXXX remove these accounts from my credit file IMMEDIATELY. 

No notice of a debt was received nor had the opportunity to demand debt validation. Remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX  Now : # XXXX, XXXX XXXX Bank # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient has made it nearly impossible for me to pay off my final debt. I have now attempted 3 times in the last month to submit a " final '' payment ( ie. the complete sum of what's left to be owed ), every time I get a message " payment reversal. '' The most recent transaction took 7 before message " payment reversal '' populated. I have called Navient customer service about the issue, and - as reported by other upset customers on this site - they claimed that my band account number was incorrect. This claim is false as each time I have deleted and reentered the bank information, on top of this, I have successfully been able to draw from this bank account with others sites and services other than Navient. I have also called my bank to be sure the issue was not on their end, they reported that my bank account number was in fact correct and fully functional ; the issue must be on Navient 's side. As time passes and Navient does nothing about this issue, interest continues to accrue! What's more, I receive NO notification from Navient when payment is reversed, so I am unaware if/when this issue happens. Navient has made it impossible for me to make any further payments towards my loans.
Product: Credit reporting or other personal consumer reports

There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX  # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX XXXX # XXXX {$2800.00}
Product: Checking or savings account

On XX/XX/XXXX, I received a text from Capital One that I tried to make a purchase from my debit card at XXXX, but I was never making any transaction from there. I had to check my Capital One account, and I found that money was taken away from my Checking account without my knowledge and consent. I found that there were two purchases that were made on my account, but I never purchased anything. The transactions occurred on XX/XX/XXXX with the first purchase was done at XXXX am that took {$8.00} away and the second transaction that occurred at XXXX am took away {$400.00} from my account. I called Capital One to discuss this issue and I told the company that I never made those purchases, but I would have to wait XXXX hours from the day those purchases were made to call the Dispute Department and report the problem, and I'm not sure if they refer to actual days or business days. For now, Capital One has restricted access to my debit card to prevent anymore unauthorized purchases and I should get a new replacement debit card in the mail by next Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a direct express card as long as I have been collecting XXXX social security. I was in an unfortunate situation last year, I was living in a XXXX house trying to get my life on track and I made a stupid mistake and got XXXX while out for the day while living at XXXX XXXX  in XXXX XXXX, MI. Well, at the time I was XXXX   my wallet was in my vehicle and a guy that was with me was named XXXX XXXX, I told him to drive my vehicle back to the house for my father to pick up at a later date. Not even realizing my wallet was still in the vehicle. Well I was XXXX XX/XX/2018. That day I was XXXX XXXXnd my benefits were suppose to be stopped, well they were not. This gentleman managed to access my account ( because my card was in my wallet and there WAS NO CHIPS IN DEBIT CARDS THEN SO THEY CAN BE RUN AS CREDIT AND JUST SIGN A BOGUS SIGNATURE AND IT GOES THROUGH '' I get out of XXXX XX/XX/2018 I was in XXXX for this entire period of time with NO ACCESS WHATSOEVER to my debit card. I was released from XXXX AND THERE WAS A LOCKOUT OF MY DEBIT CARD from my individual phone it links it to my card, so I only have to enter the last four digits from my number if its anyone elses number I have to input the entire card number or my social security number SO WHEN I GET OUT I CALLED TO CHECK TO SEE IF I HAD ANY GAS MONEY BECAUSE I THOUGHT MY BENEFITS WERE TURNED OFF. My social security card was in my wallet. When i was released I should have had an entire payment from social security on there, it was not there in fact I found out while I was literally locked up, my card was being used all over XXXX  michigan, successfully might I add and my account was drained. Ive had them investigate this and they must not know their own loopholes because I believe with my social security number he was able to access my account and change my pin OR ran it as a credit and only had to provide a signature that does NOT have to match mine. NOW NOT ONLY DID I GET THIS MONEY ILLEGALLY STOLEN FROM ME, SOCIAL SECURITY IS DEMANDING AND RECIEVING PAYMENTS EVERY MONTH FOR THIS MONEY THAT THEY SHOULD NOT HAVE PAID ME IN THE FIRST PLACE BECAUSE I WAS XXXX. THIS IS AN UNJUSTICE I HAVE ALMOST PAID THE FULL AMOUNT BACK BUT I NOW HAVE BEEN SHORTED ALMOST XXXX DOLLARS OFF EACH OF MY CHECKS FOR THE PAST FEW MONTHS. I AM URGENTLY HOPING THIS IS FIXED, THE AMOUNT IS FOR OVER XXXX I REALLY NEED THAT MONEY BACK NOT ONLY DID IT GET STOLEN OFF MY CARD BUT NOW IM PAYING IT BACK. PLEASE CONTACT ME XXXX AND MY PHONE NUMBER IS XXXX THE GENTLEMAN THAT USED MY CARDS NAME IS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer THE XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.
Product: Debt collection

XX/XX/XXXX The National Credit Adjusters placed a opened account of XXXX dollars On my credit making made a derogatory mark on my credit history. During that time I received no notice during that time and was not aware it was on my credit until XXXX at that time I attempted to contact the agency and was unsuccessful, Ive attempted to dispute it with XXXX  XXXX  but the account has still reported derogatory remarks on my credit. It has been over six years that this has been on my credit report. Ive never received a letter, a call or any communication about this debt to begin with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a collection account by the name of XXXX XXXX XXXX, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but Experian is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why Experian will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 it was suppose to be removed XXXX XXXX it is still showing on my credit report I did this multiple times before this date through XXXX XXXX I called multiple times for this account to be removed nothing has been done There are XXXX accounts that just wont I dont owe anything on them but its still on my account and wrong address
Product: Debt collection

I attempted to contact the original debt entity during the beginning of the pandemic for payment plan assistance, and they flat out said nothing was available. Their website clearly says that during the pandemic we are here to assist 24/7 a complete lie When I attempted to contact them today, I was transferred to a law firm who now represents this entity.
Product: Checking or savings account

I have gone through numerous fraud issues with Chase this year, recently someone used my account at a non-Chase atm and did 3 transactions totaling XXXX XXXX I filed a claim and it has recently been reversed without Chase attempting to contact me for more info and update me on what's going on.
Product: Mortgage

Talked with XXXX from XXXX XXXX. She set up conf call with XXXX at United XXXX. XXXX was to get back with me on XXXX XXXX XXXX. Did not call back. Escrow problem is not solved. Escrow is short over XXXX dollars.. Initial contact date was the XXXX XXXX  XXXX.. United wants to raise payment over XXXX per month, Waiting for reply
Product: Credit card or prepaid card

The American Express send me the XXXX XXXX credit card offer by the email at XX/XX/XXXX, for the following promo-tion : XXXX bonus miles after spending {$2000.00} or more within three months and {$50.00} statement credit after make a XXXX purchase within three months. ( See attachment Page 1-2 ) I applied the card by the email link which American Express send to me at XXXX XXXX, XXXX. The card was approved. ( See attachment Page 3-4 ) I  spend more than {$2000.00} and made the purchase of {$50.00} from XXXX XXXX XXXX on the card within less than three months period. I paid the annual fee {$95.00} too. 

But XXXX bonus miles and {$50.00} statement credit never posted on my account. I have been contacted to American Ex-press at XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attachment Page 5-9 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$7900.00}
Product: Credit card or prepaid card

I had made a purchase for {$1000.00} even on my credit card for a ring I had for my mom on XX/XX/2019, I returned the ring, and was supposed to get refunded the amount for the {$1000.00} even on XX/XX/2019. I have the receipt in hand stating that I bought the ring, and returned it for the full amount four days later but the credit card company is saying the sore never refunded my account, and the store which I made the purchase from says they did. Ive been trying to get this resolved but they just keep blaming each other sending me back and forth. Ive sent out emails to the credit card company about the receipt, Ive sent them the actual receipt through USPS and they havent done anything to resolve my problem. I dont want to pay for something I dont have at all. If you can please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Product: Student loan

I have consistently been mislead and misinformed by Navient and it 's employees. Every time I have contacted Navient about my outrageous loan payment programs I have been given different and conflicting information from each person I speak to. Most recently, I attempted to change my student loan repayment plan in an effort to alleviate some of the interest payments and lower my overall final repayment amount. I was less concerned with lowering my monthly payment and was looking for a plan that I could still afford but that would actually help me be able to start chipping away at my principal payments and not just slowly paying interest, which was perpetually compounding. I spent over 15 hours on the phone ( spanning several days ) with Navient personnel and was given different information each time I spoke to someone. After countless efforts to pick the best plan for my situation, I was informed that Navient does n't really offer plans to help you pay down your loans, only to help you pay as little as possible each month. After finally hashing out the best plan ( out of all terrible options ) I was told that in order to switch plans, all of my outstanding interest would be compounded onto my principal, increasing my principal amount and forcing me to pay interest on what as previously interest when my new plan started. Faced with no other option, I followed all of the steps I was required to in order to change my plan, however, when I checked my statement a month or so later ( after the plan should have gone into effect ) I noticed that my plan had not changed. I called to fix the problem but I was told they could not apply the new plan retroactively, so I was still forced to incur the higher interest amounts on the loans for the time that my plan should have been changed and those interest amounts would still be added to my principal once the new plan actually went into effect, essentially forcing me to pay houndeds if not thousands of extra dollars over the life of the loan. This account is unfortunately one of many issues I have had with Navient.
Product: Mortgage

On XX/XX/XXXX I paid the last payment of the loan. On or about XX/XX/XXXX I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/XXXX therefore interest owed was {$8.00} which was due XX/XX/XXXX. I paid the requested amount of {$8.00} on XX/XX/XXXX. The loan Co. did placed the payment for XX/XX/XXXX and did not credited it for XX/XX/XXXX. The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

I have an complaint # XXXX-XXXX, filed on XX/XX/XXXX. I WAS UNABLE TO UPLOAD DOCUMENTS TO SUPPORTS MY COMPLAINT THAT THE REASON FOR THE SECOND COMPLAINT. THE COMPANY KEEPS SENDING LATE FEES BILLS. MY DOCUMENTS WILL PROVE I HAVE PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted trans union and advised them that I was a victim of identity theft I notified them of two accounts thats are fraud as well as inquiries that were not mine. I ask them to block those accounts and remove the inquiries it still has not been done. I provided them with a police report as well as a theft affidavit and they still treated it as a regular dispute the agent did not handle my request properly Im tired of being a victim of identity theft and having to call all day with no resolution I plan to take action against them if this is not resolved
Product: Student loan

I submitted an IDR application through Mohela 's website on XXXX XXXX. I was forced to do a paper application since the web portal was down, and tried to tell me I didn't have any loans. It has not been processed, nor have I received any confirmation of them attempting to process it. No communication, no updates regarding my status. 

I did contact on XX/XX/XXXX ; they confirmed they received my application. They mentioned a temporary pause, but did not tell me that they were going to begin charging me on my loans. I mentioned in my message that I needed information on how to apply for a temporary stay, but never received it. 

Now, I owe {$260.00} that I can not afford right now. This is giving me financial hardship due to moving for a new job and I will not receive my first paycheck until XX/XX/year>. This pay will not be enough for me cover both the loans and living expenses. Mohela 's failure to give correspondence or process my application is causing stress and financial strain.
Product: Debt collection

Debt collector Jefferson Capital Systems XXXX is claiming I owe a debt
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX