23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient, formerly Sallie Mae, has called and threatened to break into my home and steal my college degree from me if I didn't pay this loan. I have a recording of the phone call. This loan is fraudulent. I have several police reports about it. The statute of limitations to collect on it is also up. I am telling Navient they need to stop contacting me about this loan and have no one else ever contact me about this loan again. The information of who took this loan out is not mine. It isn't even my name on the loan papers that Navient sent me. They are now evidence in my police records. The loans my dad XXXX XXXX took out with me as a cosigner are already paid in full. He did not take out a loan pretending to be me. This loan is fraudulent. The only loan with my father XXXX XXXX 's name on it was a loan he co-signed on with me and again it's paid in full. So sending me loan documents stating my father XXXX XXXX took this loan out is ridiculous. Remove this lian from my account and do not ever contact me again about these loans and do not have anyone else ever contact me again about these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPLE BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHTS TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
I have conducted a reasonable investigation and inquiry into this matter, and I have concluded that XXXX XXXX XXXX XXXX have breached the original contract agreement by failing to provide adequate and valuable consideration and full disclosure of the original terms and conditions of the alleged original agreement. 
According to the FCRA 15 USC 1681 SECTION 602 A, 15 USC 1681 section 604 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ). This company is in direct violation of my consumer rights, privacy rights etc. 15 USC 1681 e.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/202XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}
Product: Debt collection

I have no clue Im just now receiving a summons in the mail telling me to appear for court. XX/XX/2019and this is the first Im hearing about someone suing me.
Product: Debt collection

I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES , LLC or XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im getting these letters from a Midland Credit Management stating they will forward my account to an attorney for a pre legal process! I have no income and I Im XXXX  Ill! The credit card is about XXXX years old and I was making payments on it but when I got sick I talked to an agent and it was understood! Then I get these letters! There is no opportunity to set up a payment plan with no income! So now Im being threatened via letters!
Product: Debt collection

I have been struggling to catch up on my auto loan ( hense my other complaint that is still open with the same company ). I was able to finally make a payment ( two payments with a pull from my retirement ) and get set up on a payment plan. Which I had asked for hardship options since my husband who is also on the loan is XXXX not able to work right now. The rep did not offer me anything but a payment and a crazy payment plan which I am going to try and keep but seems not reasonable considering my situation and the rep did not care to help. 

Prior to making this phone call on XX/XX/XXXX ( the day my deposit hit from my retirement ) I was receiving a daily call from capital one. Ever since I had talked to them on XX/XX/XXXX explaining how I was waiting on that deposit to be able to pay and get on a payment plan, as they would not allow us to even look at possible options till a payment was made. Ever since that call I have received 16 missed calls and 16 voicemails from Capital One. After I made my payment XX/XX/XXXX they stopped but up until then they called me everyday and left a VM every day. This a violation of the call frequency standards set forth by regulation F. 

Presumed to have violated call frequency standards if the collector calls a person in connection with a collection of a specific debt, more than 7 times within a 7-day period. 

Presumed to have violated call frequency standards if the collector places a call within 7 days after engaging in a conversation with a person about the specific debt. 

I am at this time considering discussing this with an attorney.
Product: Bank account or service

I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 INQUIRY NAME : XXXX  INQUIRY DATE : XX/XX/2023 2 INQUIRY NAME XXXX XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2023 3 INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 - [ ] 15 U.S.C 1691 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

I have asked Equifax to update my credit report by removing the following accounts that does not Belong to me. Remember late payments are illegal it is a Billing Error 15 U.S Code 1666b. 

These late payments are causing me stress and hardship so I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of Billing Error ) you are illegally reporting transaction on my consumer report.15 US Code 1681b I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.! 
XXXX XXXX XXXXNot my account. You guys deleted this one and it came bank XXXX Not my account. You guys deleted this one and it came bank XXXX XXXX payments
Product: Debt collection

XXXX XXXX time share has put me into collection with Meridian Financial collection agency for over 1k. I purchased the time share in XX/XX/2004 and haven't used it in approximately 8 years or longer. I requested to end my contract and was never contacted or notified. Now Merdian collection agency has 4 open accounts on my credit score. No contract can be perpetual without an option to close it out if I'm not using the services. 

I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  fl XXXX XX/XX/XXXX MUTUAL MANAGEMENT SRVC at XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX has been sending me collection notices in the amount of {$1600.00} and {$1900.00} for the same alleged debt, MUTUAL MANAGEMENT SRVC called me stating that i owe this debt the collection has been reported as a past due balance i do not know this company, i have never done any business with this company, this company does not have a contract with my signature Should MUTUAL MANAGEMENT claim to have a contract, then it is within my legal rights to ask for verification details : 1. The name and job title of the witness when the contract was signed 2. The date they claim to have received my signed contract Please also attach documentation to support the verification of these claims. 
Thank you for your assistance with this matter. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an inaccurate XXXX late payment on my XXXX Credit file/report. After the initial investigation, they are still reporting this XXXX late payment on my credit file/report, which should not be there. XXXX have fixed the issue and XXXX have fixed the issue, but XXXX refuse to update my credit file and remove that inaccurate XXXX late payment that they put there in error. I have contacted the Toyota Motor Credit, which is also the financing for Lexus XXXX, and they have told me that they did not report any late payment to the credit bureaus. In their system, it shows that they did not report it, and in their systems, it shows pays as agreed, never having a XXXX or XXXX late payment. They told me that it was a system error on the credit bureau 's end, which needs to be updated and cleared up. I need for this to be corrected because this XXXX late payment is negatively affecting my credit rating with XXXX and I am very upset about this matter. Please have XXXX remove this XXXX late payment immediately. My next steps will be taking XXXX to court and filing a lawsuit, seeking damages for negatively affecting my credit rating and for violating The Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1668B : 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: Checking or savings account

I have an account with Robinhood, when I set it up last year it asked for my phone number and email. I used my home number. For a year now, whenever I make a trade, it emails me a code ( 2-factor authentication ). On Monday, XXXX I tried to make a trade and instead of emailing me the code as usual it asked how did I prefer to receive the code and there was only 1 option SMS ( which it tried to send to my home phone ). So then I tried to change the phone number and it said in order to change the phone number it would text me a code - which I obviously can not get. I emailed customer service - which was not easy to find where - and it said they would get back to me in 1-3 DAYS! DAYS! Whoever heard of taking days to get back to someone when money is involved. There is no phone number anywhere to call. So then thinking this must be a glitch I logged out and tried to log back in, which it won't let me without the same SMS code that it is sending to my landline. I tried to reach customer service again and it says to log in to reach them, which I can not do. Then I tried resetting my password - same thing, wants the SMS code, which I can not get. Spent the next hour trying every button on their help site to finally find another spot where I can email them, again 1-3 days. Well its been 1-3 days now, meanwhile I am unable to trade and losing money every minute. It is incredibly irresponsible to make changes to to their system without notifying their clients, they no where said the number provide had to be able to receive texts, and then they suddenly removed the email option with no warning. To compound this there is NO WAY TO REACH THEM! Impossible that they are in charge of people 's finances with no level of customer service. People need to know. They need to be fined/stopped/put out of business or something. I'm am beyond upset. Today Thursday and I have had no access to my account and money since Monday through no fault of my own. This is 2021 in America, impossible to believe that this exists.
Product: Debt collection

pressler and pressler is trying to collect on a defaulted judgement for which i wasn't properly served or aware of. My research shows that the cfpb has a consent order against them for repeated unethical practices. Case is from 2006 and i was never notified that they pressler and pressler ( XXXX  XXXX  XXXX ) were my creditors and that action was taken to collect debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax to have my INQUIRIES on my Credit report Disputed they told me that I could not Dispute the INQUIRIES although I did not Authorize the Inquiries in the First Place. I know that these inquiries do not belong on my credit report based on the fact I did not authorize any of these. Also based on the FCRA. I would like to have the items disputed and removed as soon as possible it is affecting my ability to apply for loans and credit cards I would be able to obtain without this fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

**I DO NOT AUTHORIZE any individual ( s ) to sustain or report ANY data, bona fide or not, of which is not EACH OF being physically validated and certified as entirely unquestionable, CORRECT, entire, TIMELY, of my undoubted ownership, of my undeniable responsibility, in agreement with requisite ( s ) recorded to every aspect of any and all applicable regulations and laws including the mandatory METRO 2 format compliance standards, and IRREFUTABLE in its CERTIFICATE as such. That said, ANY PERSONAL IDENTIFIERS not matching the above noted inserted data MUST be immediately discarded, do so here and now!

RE : DEMAND for PERFECT and factually COMPLIANT REPORTING even to the REQUISITES of the METRO 2 format compliance standards ie my Consumer DEMAND to have NO DEROGATORY information reporting UNLESS it is, as REQUIRED by LAWS, confirmed fully unfeigned, CORRECT, Complete and CERTIFIED COMPLIANT in reporting of that derogatory and or any aspect of it. I DEMAND IMMEDIATE deletion of any NOT TESTIMONIAL as perfectly and fully physically VERIFIED and CERTIFIED as such.
Product: Money transfer, virtual currency, or money service

I called Citibank XX/XX/XXXX when i noticed that there was a deduction from my checking that i didnt do. Called them again XX/XX/XXXX when they denied for the reason that it was made with citi issued debit card. I told citibank fraud rep-that they were able to used my XXXX XXXX where my debit card was attached. 
XX/XX/XXXX {$470.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$490.00} XXXX XXXX called XXXX XXXX to help me with the fraud transaction and denied me today. 
The scammer also charged my XXXX XXXX  for almost {$2000.00} but i was able to closed my claimed in my favor. Scammer also took {$490.00} from XXXX XXXX XXXX XXXX XXXX  and i was given a refund .i am just a XXXX  and every XXXX counts please i need help. Thank you in advanced for your attention
Product: Debt collection

I do not have a binding contract with mercantile adjustment BU in writing to place a trade line on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian unwilling to fix credit. There are multiple mistakes, they would only fix two that were obvious duplicates.

There are others. For example, are three entries All initiated by XXXX by the same dealer for the same loan on the same car. I was told since the names are different that they would do nothing about it. 
Each of these multiple hard inquiries affect my score. Despite the fact that there is supposed to be a freeze on this account. Despite the company stating that they are not affecting my score, the institutions that I try to work with have said I was denied due to excessive inquiries ... Which should not have been able to take place because of the freeze. I Have always had Excellent scores. XXXX  only shows me with three inquiries. It seems hard to believe that one company can say 16 and another say 3. I am feel Experian is slandering my history.
Product: Mortgage

Have tried many times in many different ways to speak with someone, at XXXX who is servicing my home loan. The communication involves an impound account that was supposed to have been set up for my homeowners insurance. My insurance company also tried unsuccessfully. My rate was based on setting up the impound account. In addition, I waited until the last minute, XX/XX/XXXX to send in my XXXX payment using my banks bill payor, with the idea I could talk with someone before sending in my payment. The only communication I received was a late payment notice and a late fee of XXXX XX/XX/XXXX, the last date to be received without penalty was XXXX XXXX. They received payment on the XXXX. I am asking that the late fee be waived and also request information how I can communicate with this loan servicing company. I have called a minimum of XXXX times, written several requests using there online forms, left phone messages, and even called their parent company who did not help. I really do not know what else to do. The only phone number given to customers so far has only taken me into circles. My home insurance, credit rating and penalties are involved.
Product: Credit reporting

Disputed a chapter XXXX bankruptcy multiple times with equifax. My public record on my credit report show XXXX chapter XXXX cases. My chapter XXXX case was transferred and reassigned a new case number. Sent equifax the legal form from the federal court building stating it was transferred and the previous case number no longer valid. I call the federal courts and they agreed it is correct. I should only have XXXX chapter XXXX case.
Product: Student loan

I graduated with my XXXX in XXXX. Because of the rigorous nature of the program, I had to take out loans both for tuition, but also for medical supplies and living costs. Because of this my debt is now over $ XXXX. I am on the XXXX plan and because of my low first-year salary as a resident ( $ XXXX ) my current payments are {$0.00}. However, given the nature of the XXXX plan, I will have to pay taxes on the remaining balance, which means I will have to make a monthly payment plus put a certain amount of money away each month in order to pay that tax burden in XXXX. This amounts to {$1200.00} a month for the next 20 years. When I get my raise next year for my second year of residency ( $ XXXX ), this amounts to 24 % of my income which is not ideal nor sustainable. My repayment plan is as ideal as it can get for my situation ; refinancing is not an option because I need the reassurance that I will only have to pay a fixed amount of my income should my financial situation change drastically for any reason. My school is not doing due diligence to lower tuition and other costs to assure that students are able to pay back loans and succeed in their field.