23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a student loan through Navient XXXX XXXX XXXX XXXX for just under {$10000.00}. I have been making payments on my loan this year, however, they have chosen to charge it off ( as of XXXX XXXX ) which I didnt find out until XXXX. In XXXX, someone from Navient XXXX XXXX XXXX contacted me to attempt to settle my loan. I negotiated a settlement offer but never accepted it. I called in later on in XXXX to express that I had experienced a hardship and needed more time on the offer. I was told that Navient had charged off my loan as of XXXX and that I would need to call around to figure out who owned the loan. After calling around a bit more I found out that Navient still owned the loan but would not give me any hardship extensions. I went to check my credit report and saw that the loan had indeed been charged off for the full amount. However, today ( XX/XX/XXXX ) i received a credit alert stating that Navient had charged off the loan again for {$2000.00}. Navient is reporting this XXXX debt as a charge off multiple times for different amounts in order to ruin my credit. The company is malicious and making it difficult for me to settle my loan in an attempt to get more money out of me.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting or other personal consumer reports

I have been trying to place a credit freeze through Transunion, but there's always error message. Even after downloading the app, the issues persisted. 
Recently I started getting emails from different lenders regarding a loan ( that I didn't apply for ) I wanted to protect myself and while other XXXX bureaus froze my credit without any issues, Transunion is repeatedly giving me error messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over XXXX years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of XXXX months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX XXXXXXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX  XXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


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

I Made full payments on XXXX on my credit cards to help raise my credit XXXX XXXX XXXX and Capital One, unfortunately my bank account was closed due to fraudulent activity and the paymentswent back then they decided to close my account with no questions ask didnt let me pay the balance not even to reopen my credit accounts they completely shut it down and sent it to collections, which has damaged my credit. Please help it wasnt my fault, they way XXXX XXXX handled the situation was very wrongfully done. No customer care at all.
Product: Credit card or prepaid card

On XXXX weekend 2018, my Nevada State Bank account was hacked. Approximately {$21000.00} was taken. 

I immediately called NSB. They froze my account and sent me {$2500.00} to help while they investigated. I spoke with their cyber analysts twice. We agreed on good charges versus fraud. 

After a month, the branch manager stopped returning my calls. I have contacted the bank, Nevada commission on Financial Institutions. I have all the documentation and will be happy to forward.
Product: Debt collection

On this date, XX/XX/year> a collection was opened by the following company, XXXX XXXX XXXX OPEN BALANCE {$7300.00} I have never signed any written document agreeing that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer.

I do not have any knowledge of who this company is and I have no written consent from my behalf.

In addition, they have not verified that I owe this debt to this company. Please have this removed from all three credit bureaus. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX/DOFED Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

between XXXX and XXXX I was pushed to forbereance and deferment durring various unemployment and hardship periods. They did not offer income based repayment. That is a lot of interest I am paying now. I thought i was part of the lawsuit, but no one reached out. Please help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately XXXX week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.
Product: Checking or savings account

On XX/XX/scrub>XX/XX/24 a fruadulent charge was introduced by an attendant named XXXX after that an representative anounced my account was close. I have five different direct deposits and this cause a great XXXX of havoc on my life
Product: Credit reporting or other personal consumer reports

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Product: Credit card

My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.XXXX   XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}
Product: Debt collection

I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
Product: Credit reporting or other personal consumer reports

Incorrect name. 
Correct name is : XXXX XXXX XXXX I would just like XXXX, Equifax and XXXX to correct it. 
I have submitted my drivers license and they wont correct it.
Product: Debt collection

Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to report that the following account is in fact In Dispute. XXXX XXXX   XXXX  partial account number XXXX. XXXX and XXXX are failing to report XXXX partial account number XXXX is in fact In Dispute. XXXX is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Product: Debt collection

I received a letter from a debt collector at Kimball , Tirey & St. John LLP dated XX/XX/2021, stating that I the consumer owe a debt in the amount of {$7200.00}, which I later found to be a violation of the Fair Debt Collections Practices Act, 15 USC 1692b ( 2 ). Upon receiving this letter demanding payment I reviewed the FDCPA and found numerous violations within the letter I received from the debt collector at Kimball , Tirey & St. John LLP. I then sent the debt collector a notice in affidavit form via Certified Mail on XX/XX/2021 highlighting their failure to comply with the Fair Debt Collection Practices Act with supporting documentary evidence attached and instructed the debt collector to cease and desist and mail me a check in the amount of {$48000.00} for damages owed to me due to their willful non-compliance of the Fair Debt Collection Practices Act pursuant to 15 USC 1692k. Identity theft may also be prevalent as I did not give my location information or identifying information directly to any third party debt collectors. The debt collector at Kimball , Tirey & St. John LLP also does not have my direct consent to communicate with me in connection with the collection of any debt which is a violation of 15 USC 1692c ( a ). As of XX/XX/2021 Kimball , Tirey & St. John LLP is still reporting inaccurate and false information to several consumer reporting agencies that has damaged my consumer credit reports which has hindered my right to use my own credit. False and misleading representations are being used by Kimball , Tirey & St. John LLP in order to collect a debt they are not rightfully owed.
Product: Debt collection

I have written XXXX letters asking for validation of an account that's being reported on my credit. I have received XXXX responses from XXXX different companies in reference to this! If that isn't confusing enough when the company I wrote to validated the account, the information that they sent me fell so far short of what I requested, it is pathetic! As a consumer I have rights. I am confused! I feel helpless! I do not know who to contact for help with this! PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I was reviewing credit report and I found hard inquiries that do not belong to me
Product: Checking or savings account

I am a XXXX women. I made a purchase at the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019. I used my BMO HARRIS banking card. The cashier stated that no more funds could be withdrawn from the card. I had to leave the line and go to an ATM and accrued another fee to get the cash to complete the transaction. This fraudulent practices when my account has the funds available. receipt # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX haven't had my written or verbal consent to hard pull my credit for what ever reason they pulled it for.This is fraudulent practices and violates my FCRA rights and FCRA laws.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately.I did not give anyone authorization or consent to use my personal information.

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked withi
n 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Product: Student loan

I applied to be enrolled in the XXXX plan over 2 months ago with aidvantage and was asked to verify my information for which i did. I have yet to receive an update on my application. Today is XX/XX/2023. My loans continue to accrue XXXX XXXX XXXX a month. I contacted Aidvantage a few days ago. After waiting hours on hold and being hung up on once, I spoke to a representative who could not tell me when I would be or if I would be actually enrolled in the XXXX plan for which I meet and have proven ALL criteria for. This representative could confirm that my application was complete and there was nothing else for me to do that it was " under review ''. As a result of them not being able to timely process my application/process my application at all I will continue to ACCRUE interest that I would otherwise not accrue under the plan for which I am eligible. this is malfeasance at best and fraud at worst as this directly leads to increased revenue for the company handling my loans as I must continue to pay the accruing interest that then capitalizes interest itself.
Product: Debt collection

receiving fake dept and fake PayPal account. we do not owe or own this account it is fraud according to PayPal and Synchrony bank here it is the email i get every day for weeks now ...... fishing From : Synchrony Bank <XXXX> Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : XXXX, Take action on your PayPal Credit account Reply-To : Synchrony Bank <XXXX> Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 


Hi XXXX, Your PayPal Credit account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 

Your minimum payment due includes the past due amount of {$110.00}. 
Current Balance Minimum Payment Due Due Date {$4300.00} {$270.00} XX/XX/2022 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us WeekdaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX.
Product: Credit card

I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.