23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.
Product: Debt collection

I requested verification on the alleged debt Portfolio Recovery is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof Portfolio Recovery could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back. 


On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Product: Checking or savings account

I am trying to link my XXXX XXXX and XXXX accounts to my PNC bank and it is denying the system access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion Credit Bureau several times letting them know that my name was spelled incorrectly. My name is XXXX XXXX, XXXX. They keep showing in their system ( XXXX XXXX, XXXX ) I've sent them a copy of my driver 's license, social security card and a utility bill. I have never applied for credit under any other name. As of today they still don't want to correct my credit report. 

I also sent them a letter requesting that they sent me a copy of my signed authorizations for the recent credit inquiries. They sent me a letter back telling me that my signed authorization is not required in order for them to release a credit report.
Product: Credit card or prepaid card

Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a XXXX  Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXX XXXXXXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Equifax NAME : XXXX XXXX O XXXX My name is XXXX XXXX. Please remove any name you have in your system that does not match XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX It is imperative that you remove any address in your system which does not match my address listed on this letter. My only address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

Midland Funding called and wanted me to make payments on this debt.They told me they wanted payments of XXXX month in XXXX payments.I told them that would not work out that I do not work because of serious medical issues.Then they start asking me about how I get money and how I pay my other bills, just prying.As they were talking, there were higher amounts they were asking for.By coercing me giving me speeches of paying off bills and where do I want to be in 5 years.I tried to tell them I could not afford much but would try to give something.They told me I had to pay XXXXmonth on both accounts that 's XXXXmonth I ca n't afford on XXXXmonth.Not including my rent, electric, oil, medications life saving that I told them.These collection agencies get away with coercion, making people feel pressured and cornered, not only pressured but it makes people feel low esteem, low self worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXXXXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card

XXXX keeps calling me in reference to a Verve Mastercard financed through Continental Finance. The representative are very rude and demanding. They threatened you with charges if you do n't pay the bill but refuse to send any documentation by mail. They demand that you give them your debit card information over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off to Equifax on XXXX XXXX, XXXX. I told Equifax to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXXAlso is the response letter they sent me to respond to my letter. I ask XXXX to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and US Department of Edu XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute the following 3 fraudulent accounts listed on my credit report. XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.
Product: Student loan

I have been paying my XXXX XXXX XXXX now Navient ) student loan since XX/XX/XXXX and I have never had a late payment or missed payment, however my grandmother and co-signer passed away. Now XX/XX/XXXX, my loan has been transferred to XXXX XXXX and they are demanding that I pay my loan in full or they will foreclose on my co-signers estate. 
The student loan was for undergraduate studies at XXXX University in XXXX Virginia.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3000.00} Account number : XXXX Account name : XXXX XXXX XXXX, Date opened on XX/XX/XXXX, balance : {$2500.00} Account number XXXX Account name XXXX XXXXXXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name XXXX XXXXXXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance {$4000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance : {$4900.00} Account number : XXXX I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report.

Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report.

Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

This account has been sold to debt buyer. XXXX is reporting as an open account with XXXX late and 11 monthly past due information to the credit bureaus.
Product: Credit reporting

1. There has been a XXXX XXXX error in the Experian Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal Experian credit report for the credit card debt filed by XXXX XXXX - listed as the XXXX account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where Experian has not deleted this negative from this complainant 's Experian report after the end date of the 84th month - the date of XX/XX/XXXX in this case - in contradiction with the facts this complainant provided in his phone call to Experian on XX/XX/XXXX and via USPO mailed documents two days later, a follow-up on Experian Dispute file ( response dated XX/XX/XXXX ) # XXXX ). The incorrect end-timing XXXX provided to Experian is " XXXX '' - three months tardy. 

2. The specific documentation of this XXXX late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this complainant 's XXXX CFPB complaint ( i.e., this is complaint # XXXX - which was filed after # XXXX was filed ) as the final item in a set recently filed with all XXXX CRA 's on XXXX credit card debts. Also provided with that letter in this complaint are a number of documents, including ( a ) the recent XXXX reply letter to this complainant ( dated XXXX/XXXX/XXXX ) that fails to acknowledge this error, ( b ) copies of a complete XXXX listing of every monthly billing statement transaction from XXXX XXXX for the 6 years the card was active, that XXXX has failed to acknowledge, perpetuating their error, i.e., a document that contradicts the XXXX XXXX/XXXX/XXXX reply - a response which ignores the documentation this complainant provided - docs that irrefutably support this complainant 's corrections, and ( c ) a copy of the XXXX contemporaneous monthly statement posting by the debtor company ( i.e., this complainant 's employer ) of the 1st missed payment late fee - that proves this complainant 's correction of this error - using the books of the company that incurred these charges. The attached letter written by this complainant also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. XXXX was also sent " hard '' copies of a virtually identical set of documents ( via the US Post Office ) for delivery on XXXX/XXXX/XXXX. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day, if the CFPB chooses to assess damages in this case. The lost income damages are due to the reluctance of prospective employers of this complainant who, because of his credit report major negatives, are not willing to hire him - or any job applicant - for any financial ( or security ) position of trust.
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. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX 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.I, 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. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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.