23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I completed and mailed income repayment plan ( IBR ) documents and verification of Social Security and XXXX benefits to Navient on XX/XX/XXXX. I received a letter from Navient on XX/XX/XXXX. I called Navient to ask why they can not accept our verification of retirement income benefits. XXXX, a Navient IDR agent, informed me that our documents were not acceptable because they were not current. Although, my husbands Social Security verification letter was dated XX/XX/XXXX and my Social Security verification letter is dated XX/XX/XXXX both letters show our current benefit amounts and that these amounts have not changed. 
Documents I submitted clearly show that I have been receiving monthly Social Security Retirement benefits in the amount of {$1700.00} starting XX/XX/XXXX and that I will begin receiving {$1300.00} after taxes have been deducted on or about the third Wednesday of each month thereafter. I also attached verification of my federal ( OPM ) benefits and that amount is {$1800.00}. 
My husbands Social Security Retirement showed that starting XX/XX/XXXX, he would receive {$1800.00} on or about the second Wednesday of each month. My husbands XXXX verification form showed his federal pension amount is {$2800.00}. 

I am just not certain why Navient needs proof of my husband 's income as was in school from XXXX through XXXX and received student loans payments before I married my husband. 
I am just so frustrated with Navient. I was a federal employee for 25 years, from XXXX through XX/XX/XXXX. In XXXX when I inquired about loan forgiveness, Navient told me that they did not have a loan forgiveness program. I inquired again and applied for loan forgiveness in XXXX. At that time, I was told did not qualify for loan forgiveness as I would have to work an additional 10 years from the date I applied for the loan forgiveness program to qualify. I am XXXX years old. I have elderly parents. I needed to retire in XXXX to care for my ailing parents. There was no way possible that I would be able to work another 10 years. This is the second time I have applied for the IBR program. Last year when I applied, Navient gave me such a difficult time and now again, this year, they are putting me through a difficult time. I contacted Congresswoman XXXX XXXX 's XXXX in XX/XX/XXXX and of today, I have not heard from them. Can you please help me resolve this issue?
Product: Debt or credit management

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking to you to verify as accurate : NAVY FEDERAL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Action : FCRA Violations and Identity Theft This letter serves as a formal complaint regarding serious inaccuracies in my credit report, which constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605B, 611, and 623. I have discovered multiple instances of identity theft, involving fraudulent accounts and unauthorized credit inquiries, which you have failed to properly investigate and rectify despite my previous notifications.

FCRA Violations : Section 605B ( Block of Information Resulting from Identity Theft ) : This requires you to block fraudulent information from a consumer 's credit report within four days upon receipt of a proper identity theft report. Failure to do so has aggravated my financial and emotional distress. 
Section 611 ( Procedure in Case of Disputed Accuracy ) : You are mandated to conduct a reasonable investigation after a dispute is filed by the consumer. The continued presence of these inaccuracies suggests a lack of due diligence on your part.

Section 623 ( Responsibilities of Furnishers of Information ) : This section obligates furnishers to provide accurate data and correct and update any inaccurate data reported to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries 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 inquiries removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

See my former complaints XXXX and XXXX regarding the transfer of BTCs from my swiss bank to Coinbase.

Amount arrived at Coinbase but not credited to my account. 
After more than 6Months the company still didn't refund my money. 
Complaints get simply closed by Coinbase with a promise of resolution, but no solution has been offered so far. 
Also the statement that Coinbase has been working with my swiss bank for solving my case seems to be untrue, since my swiss bank has never been contacted by Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, XXXX placed a judgement against me for {$10000.00}. I was not aware of this until they added this to a collection account in my credit. In XX/XX/XXXX I went to court to file a motion to vacate/set aside default judgement. The file was granted on XX/XX/XXXX which means the judgement that was entered in my credit is no longer valid since this motion was granted.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Chase ( XXXX XXXX ) about XXXX coverage. I purchased my car directly from XXXX XX/XX/year>, through XXXX XXXX and XXXX coverage was never offered or available to purchase. I asked to add this coverage, and was told that I could offer it through XXXX directly. After being on hold for XXXX hours, I found that they are referring me back to XXXX XXXX and Chase. When I called back they said it was not an available option and the dealer who sold me the car would have had to have added it then. I didnt purchase from a dealer, so that obviously was not an option. The fact that XXXX XXXX and Chase had/have no option is negligent, especially now knowing that these cars are practically worthless and if XXXX in an accident I we be under about $ XXXX.
Product: Debt collection

The last two years I 've repeatedly asked EOS CCA to stop calling me about a debt regarding XXXX XXXX XXXX Im XXXX XXXX XXXX. EOS CCA has repeatedly told me that they will take my number off their list but this is not the case they have called me at midnight one two and three and four in the morning and repeatedly and one day. This company has called me so much that I 've had to block every phone number that calls my phone except for persona emergency contact numbers. This company has you threatening tactics they told me they would have me arrested again I told them I am not XXXX XXXX.They have also said that they would charge my cell phone bill in oder to collect the money XXXX XXXX owes.
Product: Credit card

My business card was fraudulently charged the following amounts and it was reported to the credit card on XX/XX/24 that all the following charges were fraudulent and card was cancelled. All of these charges were from the same company. Capital One has failed to refund the charges and is expecting me to pay the balance in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplianc
e under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Debt collection

My XXXX account on XXXX XXXX has 2 medically related debts. From XXXX XXXX. of XXXX. 1in amount of {$150.00} & 2nd in amount of XXXX . 
This is a medical debt and I always had insurance. I had XXXX and XXXX at this particular time because I was put on XXXX. 
XXXX in XXXX XXXX removed the bill for $ XXXXbut not the {$150.00}. 
This is a billing error with XXXX XXXX XXXX and bill is getting resubmitted
Product: Debt collection

Assured Financial Partners contacted me stating they bought my credit card account from XXXX XXXX  I paid this company {$1700.00} in 3 payments to pay balance in full. XXXX XXXX is sueing me for the same bill. I have to go to court XX/XX/year>. I have tried contact this company at number provided and it stays busy or wants you to leave a message. I dont have the money to pay it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One Bank are refusing Arbitration under the Federal Arbitration Act regarding the Fair Credit Billing Act and the Fair Credit Reporting Act regarding an transaction with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 Suntrusts account after being told one of them was a BB & T. Now I was being told they both were Suntrust accounts. Both accounts have been placed back on XXXX XXXX. Suntrust was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid
Product: Credit reporting or other personal consumer reports

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX Account XXXX : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent matter.
Product: Debt collection

Offending company : ACE XXXX XXXX XXXX, also known as ACS. The latest correspondence is dated : XX/XX/2020 @ XXXX. I've repeatedly asked ACE ( 10 plus times ) not to contact me further with regard to this matter. They've not honored my request and violate Debt Collection law by continuing to contact me. Addionally, you will see in the email correspondence attached to this email, where they threatened me in several ways, which I'll list as follows : Threatened to sue me if I didn't pay {$3400.00} and court restitution in the amount of {$980.00}. Additionally, here are the charges they'll file against me at the local County Courthouse : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by deception Also, they've threatened to contact my payroll administrator ( which I don't have ) to tell them what I've done in the past. In their threats they give me only 48 hours to pay, otherwise, legal action will commence.
Product: Credit reporting

This complaint is not about items on my credit report. Experian has my credit score fluctuation up and down XXXX points during the course of every month and has done so for the past 6 months. I inquired about the fluctuation because there has been no change in postings on my report in months. I was informed that I have one credit card account that has a recurring {$26.00} balance that I pay off every month is the cause. This explanation was based of their FICO Score XXXX model. There solution was not to pay off the credit card each month. The problem with that solution is that I incur a {$37.00} fee if I do not pay off that small balance. This solution is not workable. There was no other explanation. I suggested to the representative that this did not make sense. If she was indeed correct I was being penalized repeatedly for responsibly using credit. She said there was no other explanation. If you could assist me in correcting the problem or getting a reasonable explanation as to what is happening I would very much appreciate it.
Product: Mortgage

Back in XX/XX/2021 I apply for a cash out refinance on my home with Amerisave. 
I was told that for closing I need it to use XXXX as Title company and there was not other choice. I have no problem, everything was moving fast I was approved and all look good except for the title. 

I have an old Heloc with XXXX that was transfer to XXXX XXXX and the title company did do anything and they expect me to call XXXX to get all paperwork done. I call XXXX XXXX and they send them a letter explaining the situation and then the Title company said that there was a lien from an old loan. They are now claiming that XXXX told them that it takes 30 days to remove the lien. They could have started the process long time ago it is been already 3 months. 

House is 100 % paid off so I don't understand what is the lien they are talking about. It seems that XXXX is not really making any effort to clear the title. I was told by Amerisave that they are short handed but that is not really my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me XXXX XXXX that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Product: Credit reporting or other personal consumer reports

My consumer report consists of a number of inaccuracies that i have personally contacted the furnisher and the reporting bureau. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of the account, they are not permitted to report it to the credit bureaus. I have on Mutiple occasions asked the credit bureaus XXXX, XXXX and Equifax to remove these items from my credit report if they can not be corrected, XXXX being the only agency to rightfully do so. the other two still have not done so which is a complete volitation of my consumer rights.
Product: Mortgage

My mortgage was sold on XXXX, I have not been notified about mortgage been sold from either mortgage company. Per customer service from Roundpoint welcome latter was generated on XXXX XXXX and send days after. First latter that i received from Roundponit Mortgage was XXXX payment statement, but no welcome latter. Now my XXXX payment was not adjusted to roundpoint and XXXX is my only XXXX payment after transfer. I'm received late fee Late Charge Assessment XXXX XXXX, XXXX {$48.00} that they are not willing to waive under mortgage transfer law. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX. The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
Product: Credit reporting or other personal consumer reports

I submitted a FTC report Fcra, 609 forms to Equifax, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are two XXXX  XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.Along with three addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered XXXX  XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.