23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I believe I was a victim of Navient as I was misguided to apply for deferment when I requested a lower monthly payment. I became unemployed in XX/XX/XXXX, a job of 20 yrs due to the economic collapse. I was told because I was not on a student loan but on a parent plus loan I could not get a lower payment.

As I struggled to find a decent paying job in XX/XX/XXXX my deferment ran out and when I called they told me to apply for forbearance.

In XX/XX/XXXX I gave up on finding a decent job and applied for social security. My forbearance ended so again I called Navient about lowering my payment per month. The agent just said they could not do that as I was a parent on the parent plus plan. After I said I did not know what to do as I could not afford {$470.00} a month she told me she was sending out some paperwork. When the paperwork came it was all to do with refinancing and I was confused. Then at the end of all this paperwork I found an income-driven repayment plan. I have filled only that plan out and sent that back to them several days ago.

My account shows I accrued {$6500.00} interest from XX/XX/XXXX to XX/XX/XXXX plus capitalized interest of {$9900.00} My daughter started at XXXX  University in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was XXXX  that disputed 20 inquires and the confirmation is # XXXX. I explained to TransUnion and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to XXXX then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. Transunion and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or discard this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have email proof stating that my first scheduled payment is estimated to start of XX/XX/XXXX alongside confirmations I got directly after signing up for reoccuring payments that the first payment would begin on XXXX XXXX. Now on their site, there is no record of this XX/XX/XXXX date, it only says the next payment will be processed on XXXX XXXX. It seems rather intentional to push back in order to force additional interest payments. This is seriously unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and multiple banks like XXXX 's score powered by experian, XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is 0-5 % now. i took pics that show a bit higher but still in the green. 0 derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my 0-5 %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my 20+. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. Experian is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUD INQUIRES : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX. XXXX  : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Well on XX/XX/2024 chime sent me an email stating that my account was being closed immediately with no warning or explanation. I reached out to Chime and was told that there were some discrepancies on my account and that they could not give anymore information. They also stated that my account was ineligible for a refund which was my money. I had funds in my checking and savings account, that they will not send to me and that my account was now at XXXX. My pay role has been going to chime for years. THEY TOOK MY MONEY AND LEFT ME WITH NOTHING. I have had to miss work do to not having gas in my car to get there and is not able to feed myself or my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided radius global solutions with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Product: Checking or savings account

WENT TO DRIVE THRU BANK TO WITHDREW {$100.00} SOME HOW ATM DID NOT HAVE THE CURRENCY REQUESTED IN THE PROSSESS DID NOT CANCELLED TRANSACTION SO PARKED MY CAR AND WALKED TO FRONT OF BANK TO MORE ATM. GOT MY {$100.00} AND WENT HOME, HOWEVER A COUPLE HOURS CHECKED MY BALANCE ON MY PHONE AND NOTICED {$400.00} BEEN TAKEN FROM ACCOUNT- INMEDIATLY WENT BACK TO BANK AND EXPLAINED WHAT HAPPENED AT XXXX .THE BANKER TOLD ME THA A PERSON BEHIND ME RETURNED THE MONEY TO A MANAGER IN PLACE AND I FELT VERY GOOD ABOUT IT, AT THIS TIME THEY TOLD ME TO FILE A CLAIM # XXXX THAT IN FEW DAYS I SHOULD HAVE MONEY BANK THIS HAPPENED ON XX/XX/XXXX SEVERAL WEEKS WENT BY AND DID NOT HAVE AN ANSWER .WENT BACK AGAIN AND FILLED ANOTHER CLAIM # XXXXWELLS FARGO HASE N'T RESOLVED MY PROBLEN YET AND IT IS VERY DIFFICULT. WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TEL. XXXX PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX garnished 25 % of my bi-weekly paycheck. Starting XXXX, totaling {$1500.00} They were represented by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed of intent to garnish the debt by the agency. I was informed of the garnishment by my job 's payroll department a week before the first disbursement. Copies of court papers and all other documents were furnished to me after the garnishment started. The agency delivered court papers to my old address unbeknown to me. When I did not respond to the courts due to no knowledge of the case, they were awarded the garnishment. I contacted the collection agency by phone to dispute the debt in XXXX of XXXX the lady on the phone said it was for a credit card with XXXX Bank back in 2007. I told her I never own that card or knew anything of it. She state the garnishment will be placed on hold pending further investigation. This did not happen, they continued the collection. After that I made numerous phone calls to their office in XXXX over a period of time, each time I was placed on extended hold time. Eventually the calls would be dropped. Finally when I got someone to talk with, I was told the person handling my case does not discuss ongoing cases. I continued to call only for each person being deceptive. They used the courts in a deceptive manner to garnish my wages.
Product: Debt collection

This information is showing on my report multiple same account number Ive tried to contact the company Im requesting that this information removed off all of credit report
Product: Mortgage

Nationstar reported for a year on my credit that I was late but I was never late. I continually called and called asking them to take off the late payment. It showed i was late in XXXX of 2015 but was not. Every time I would call they said they did, but would never provide proof that they did then they would tell me they would take care of it. It took me putting in a dispute to the credit agencies for them finally send me the notification. It took them a year for them to fix it and now my credit is screwed up because of this. I am now paying higher interest rates on XXXX loans I took out because of this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

and according to 15 USC 1681eb they are supposed to ensure this 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.

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 more than 7 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 cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year> company NTL Recovery Agency reported a debt in the amount of {$1400.00}. XXXX last reported of this debt was on XX/XX/year>. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to NTL Recovery Act. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 
1692 ( c ). 
Thank you for your attention to this matter.
Product: Credit reporting

I had a checking account with XXXX XXXX. This resulted in a collection for {$940.00}. Equifax has this listed twice on my file for XXXX, XXXX and XXXX. Once for {$940.00} and once for {$940.00}. There was ONLY ONE ACCOUNT. Showing the balance XXXX dollar higher is obviously an attempt to create more delinquency for me. I disputed this with Equifax and they left this on my file. I am receiving double jeopardy. This is a violation of federal law. I have attached a copy of a check from that account.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQURIES. I SPOKE WITH REPRESENATITIVES IN THE XXXX DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS, 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 accordence with the Fair credit reporting act XXXX  Account # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX $
Product: Debt collection

XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX NY, XXXX Conserve XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

On behalf of my company, I am writing this letter because we are distressed that you have included the information below in XXXX XXXX XXXX credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information listed below needs to be re-investigated. 


Alleged Debt : {$3300.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 

Alleged Debt : {$2200.00} XXXX XXXX XXXX has never done business with Conserve and have no idea who this company is. 


I on behalf of XXXX XXXX XXXX respectfully request to be provided proof of this alleged debt, specifically the contract, note or other instrument bearing my signature. 

Failing to do so, the item must be deleted from the report as soon as possible. The item that is listed above is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

In addition, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX XXXX of XXXX XXXX XXXX.
Product: Checking or savings account

have a paypal account for online payments for me unfortunately I was a victim of phishing and the theft of my data from my card and my paypal account and made several unauthorized payments by me for amounts of XXXX $ and to the issuing bank of my card I recognized a part of these payments I demand paypal to recognize the rest of these payments that I do not authorize for an amount of XXXX $ because the XXXX  XXXX XXXX recognized me XXXX $ giving a total amount of XXXX $ and the complaint was presented to paypal and the XXXX  XXXX XXXX waiting for a solution and recover this money immediately
Product: Debt collection

Dear XXXX XXXX XXXX ; This is fraudulent account!!! I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.