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

I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections Capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit reporting act, this crederel has violated my rights under 15usc 2681 section 602 states I have the right to privacy. 15usc 1681 section 604A section 2 also states that consumers reporting agencies can not furnished an account without my written instructions. Under 15usc 1666B, a credetal may not treat a payment on a credit card account under and open and consumers credit plan as late for any purpose.
Product: Debt collection

I submitted a complaint on XX/XX/XXXX to the CFPB regarding collection efforts by Sequium to collect a debt after I sent a validation letter and received no requested documentation in response. The initial complaint and the Company 's response are attached to this complaint.

As of today, XX/XX/XXXX, I have still not received any documentation in response to my validation/ dispute letter. However, Sequium is now listed as as a collections account on my credit report. The Fair Debt Collection Practices Act prohibits efforts to collect a debt when the debt has not been validated, if the supposed debtor requests validation of debt within 30 days after the first debt validation notice is received ( I have, see attached ). These efforts include listing the debt on the supposed debtor 's credit report. 

Further, the listing shows that the collections account was reported to XXXX  on XX/XX/XXXX, only three days following their response to my CFPB Complaint, in which XXXX XXXX states " The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. '' I never received any verification of debt via mail or otherwise. Also, listing the collections account is, by definition " collection activity '' and due to the timing, I suspect it may have been in retaliation to my CFPB Complaint. A remark on the listing even notes " meets FCRA requirements '' when this is clearly not the case. 

This is illegal and predatory in the best of times, but during times as vulnerable as a global pandemic should be taken extraordinarily seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX Balance Owed : {$95.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX / XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 .
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I discovered numerous accounts that do not belong to me and have been erroneously listed without my knowledge or consent. The following accounts are not mine : 1. Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account type : Auto Loan Amount : {$17000.00} 2. Account name : XXXX XXXX XXXX Account number : XXXX Account type : Secured Loan Amount : {$1400.00} 3. Account name : XXXX XXXX Account number : XXXX Account type : Unsecured Amount : {$410.00} 4. Account name : XXXX XXXX XXXX Account number : XXXX Account type : Collection Amount : {$2400.00} 5. Account name : XXXX XXXX XXXX I Account number : XXXX Account type : Collection Amount : {$610.00} 6. Account name : XXXX XXXX XXXX I Account number : XXXX Account type : Collection Amount : {$1600.00} I want to emphasize that I have never engaged in any business transactions with the entities listed above, nor have I authorized any inquiries or activities related to these accounts. It is evident that I have become a victim of identity theft, and these fraudulent entries are severely impacting my financial reputation. I am formally requesting that Experian conducts a thorough investigation into these discrepancies and takes immediate action to remove the accounts.
Product: Student loan

I have been trying to pay my loan in advance. But each time I make a payment, the next due date does not advance. After complaining here, one of my lenders Consumer Advocates assured me that he would manually change the due date whenever I made a payment. That isn't happening, moreover, he appears to be no longer employed by Navient. My email to him bounced and the extension is no longer valid. When I tried to call the consumer advocate office, after being on hold for 10 minutes, I was told to leave a message and they would return my call in 48 hours ( an unacceptable delay ).

This issue has been going on for over a year. My account is set up to have payments apply to the next due date -- and it doesn't happen. Each time I make a payment, I have had to spend close to an hour to get the payment due date moved forward. This is unacceptable.

I should also note that the response Navient has provided to the CFPB is false. Previously, the reason these payments aren't applied to the next due date is because I have a consolidation loan with both subsidized and unsubsidized federal loans and they can't apply a payment to one without the other. But I have my payments set to apply to both on the same prorated basis as there would be for any normal monthly payment.

I can not be the only Navient borrower who wants to pay in advance. For several years, this wasn't an issue ; but only became one about 18 months ago. Suddenly, they are " unable '' to apply payments to future due dates. I am sure this is in the hopes they can hit these borrowers with late payment fees and the like even though we have paid in advance.
Product: Student loan

Studentaid.gov refuses to process my PSLF form for qualifying repayments I made from XXXX to XXXX when I worked XXXX XXXX  at XXXX XXXX XXXX of XXXX. I sent them my W-2 's and a letter offering me the position to substantiate the fact that XXXX XXXX XXXX XXXX refuses to sign my PSLF form.
Product: Credit card or prepaid card

On XX/XX/23 I responded to a mailer advertising a Destiny credit card. After reading the terms I decided to apply. The website claimed I was approved for {$500.00} with a chance to double the credit limit after 6 months. There was no mention of a fee to be paid to activate the card. Once I received the card I went online to activate it on XX/XX/23. During the process of creating an online account the website said I would have to pay {$99.00} fee for a {$300.00} credit limit. I immediately stopped creating the account and called Destiny 's phone number. I told their rep that I did not want the account due to them changing the credit limit and charging a {$99.00} fee. The rep said that since I didn't activate the card I wouldn't be charged the {$99.00} fee. But now they're reporting that I opened an account and closed the same account. This is negatively affecting my credit score by dropping my credit history age and showing a new closed account. I did not open this account! I did not activate this account! This company was unethical by falsely claiming I was approved for {$500.00} and then upped their fraud by not disclosing a fee until the card arrived. To top it off the fee was canceled because I refused to open the account. This account needs to be removed from my credit reports immediately!
Product: Debt collection

I agreed to a payment plan available at the XXXX. I withdrew from the class in XXXX, XXXX. I received a notice from the state of Maryland in XXXX, XXXX stating that I owe {$1200.00}. I received no written notification that I owed any money to XXXX ever. I received a notice from Harris & Harris , Ltd saying that they are collecting {$1200.00}. I was not given the opportunity pay this prior to going to collections. I was never given a breakdown of why the total {$1200.00}, when I was given a total of {$980.00}.
Product: Vehicle loan or lease

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Credit reporting or other personal consumer reports

Identity theft on card by former employee. Chase referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
Chase just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.
Product: Checking or savings account

I was a victim of fraud and Chase Bank denied my claim for {$2900.00}. They approved a {$800.00} claim but denied the {$2900.00}. In the letter I received they said it was because they think I approved the transaction or gained something from it. But when I called customer service they said it was because I didnt report a counterfeit check that the fraudsters tried to deposit for {$490000.00}. But I did report it. And theyre saying the only way they can do anything is if I have evidence it wasnt me. I was watching my baby brother while my mom was working, I dont know how Im going to show evidence it wasnt me. My account has never seen more than {$500.00} it should have been flagged for fraud right away. If they dont reopen my claim I will not be able to pay them back or even want to because they are XXXX   me over and its gon na destroy my credit.
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 confidentiality under 15 USC 1681. 

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. 

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 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 by more than seven 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

Please see the attached letter from Ally. Their debtor IS NOT ME. I have a different address and phone number, yet they have been calling me, and numerous friends and family about this debt. I have never done any business with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy. 

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report.

One social security number does not belong on my credit report.

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Penn Credit Corp, XXXX XXXX, and XXXXDept Of Ed has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Repeated phone calls from multiple numbers, all starting with XXXX. Attempting to collect on a debt I do not owe them ( all my debts are current and in good standing ). Contacting me all hours of the day and night. Robocalls all with the same message identifying themselves as Receivables Management Partners , LLC. Every time I block one number, they call me from a different one.
Product: Debt collection

I haves paid all my bills to XXXX XXXX  and all the doctors. I was promised that I will not be contacted again or harassed. Now I am receiving more bills from 5 years ago. I am tired of being harassed. I had health insurance and they lied and said my insurance never paid. I paid them so that they can leave me alone and they are back again another year harassing me.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681 C-2 ) that you, the Experian Credit Reporting Agency , block information appearing on my Consumer Credit Report that is the result of Identity Theft and Fraud within 4 business days of receiving this Complaint. This fraudulent, inaccurate and false information consist of 3 personal credit card accounts opened at XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$10000.00}, XXXX XXXX Bank on XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. There are also 2 personal loans, XXXXXXXX XXXX XXXX XXXXS on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$15000.00}. There are also 5 fraudulent names appearing on my Consumer Credit Report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX I XXXX and XXXX XXXX. There are also fraudulent addresses appearing on my Consumer Credit Report, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. These accounts have resulted in hard inquiries, fraudulent collections and installments appearing on my Consumer Fico Credit Report. I do not recognize the aforementioned fraudulent accounts, collections and hard inquiries as reported. The aforementioned fraudulent accounts, collections and hard inquiries appearing on my Consumer Credit Report maintained by you were not opened, made or initiated by me. The fraudulent aforementioned accounts, collections and hard inquires are the result of Identity Theft and Fraud.I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that the aforementioned Consumer Credit accounts, collections and hard inquiries are the result of Identity Theft and Fraud.
Product: Student loan

Hello, I se nt four  payments for {$1000.00} each to Navient for repayment of student loans. They cashed all four checks between  XXXX  and  XXXX . They have all been cleared from my account. However, they only applied  2 payments to my account. I have called approximately 30 tim es attempting to have my money either applied or returned. After approx.  15 phone calls they refunded my one ch eck ( after about 3 month s ) an d have not returned the other check. I have called multiple times and they always say its " being processed '' well it has been several more months and no check. I have spent at  least 45 min utes - one hour every time I have had to call. I uploaded all of my bank statements onto their website proving they cashed all  4  checks. They always insist the check is on the way etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Mortgage

SPS forbearance was put in place from XXXX - XX/XX/XXXX due to XXXX and my two XXXX  shut down. I got XXXX XXXX  and was hospitalized. One of my credit cards was payed off by the debtor because my doctor filled out a form memorializing my hospital stay from XXXX XXXX. XXXX came around and COVID restricitons were still in place and my income was still diminished. I asked SPS to extend the forebearance. They sent me RMA forms to fill out, and requested other documents. XXXX all forms and documents requested were emailed to SPS. In XXXX they requested a XXXX XXXX  XXXX for XXXX - XX/XX/XXXX. During this time, I received XXXX from the CARES Act payable to SPS . SPS shredded the check. SPS rep 's told me they couldn't accept the money because my home is in preforeclosure. XXXX XXXX, my accountant prepared the XXXX XXXX XXXX for the previous XXXX months and that was emailed along with bank statements for the same time period. I called SPS all through XXXX, stating why am I getting preforeclosure letters, I am waiting for three months to go by to send you the requested documents. Sometime in XXXX, SPS filed foreclosure documents. I never got a letter or the foreclosure documents. I had no idea they filed that. Advertisements from law firms alterted me. I ended up hiring a firm. I filled out another XXXX form, sent in more bank statements and another XXXX XXXX XXXX for XXXX - XX/XX/XXXX. During the entire time requesting a loan modification, along with hiring an attorney, SPS is marching forward with a foreclosure and the sale date which is now XX/XX/XXXX. My business is back to grossing XXXX a month. My income from that amount is roughly XXXX a month. My credit is ruined because I couldn't make my monthly usual credit card payments. XX/XX/XXXX, I got another letter from SPS requesting I fill out another XXXX form. SPS has zero interest in me not losing my home. They are intentionally burying me with document requests while the foreclosure department is ontrack to take my home. I just want to start paying my mortgage again. SPS will not accept any money from me. My relationship manager at SPS and it's legal department are not on the same page. One hand does not talk to the other hand. I was never late on my mortgage payment prior to XXXX. SPS informed me if I pay XXXX I can start paying my mortgage again. The XXXX incudes interest and fees from XX/XX/XXXX, which is from when the forebearance began. I didn't make any money from XX/XX/XXXX to XX/XX/XXXX. I was put on medicaide and received food stamps plus got a LHEAP grant of {$500.00} for my elctric. This company is unscrupulous and intentionally deceitful with it's actions.