23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dispute the information with XXXX XXXX XXXX XXXX XXXX and with the credit report agencies.

The fee charges in the loan are not correct. They are charging me in past due {$2200.00} dollars additional to the principal balance of {$2400.00} of the student loan. I studied in the XXXX XXXX XXXX XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXXwhen I apply and received the student loan, and then I was transferred to the XXXX XXXX XXXX XXXX  at XXXX XXXX and keep studying uninterrupted during the next years when I graduated in XX/XX/XXXX. Also, I have another consolidated student loan which I am still in a repayment plan, and paying as agreed in good standing.

XXXX are charging me the unexplained amount of {$2200.00} in past due amount loan. I never received letters from the XXXX XXXX XXXX XXXX or any of the campus that I studied, or any collection company regarding the student loan debt. The letters that XXXX sent was to a postal address in a XXXX XXXX from XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, and lived previous years at different locations so I did not knew about the letters, but after the payment due date of the loan in XX/XX/XXXX, a relative who received the XXXX  letter addressed to my name in XXXX XXXX could not forwarded me the letter to XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Recently I spoke with a XXXX  Customer Service Representative after i submitted a dispute with the Consumer Financial Protection Bureau in XX/XX/XXXX because they sent inaccurate information to the credit reports agencies, and I request to that person more information related to the past due charges of my student loan. The Customer Service representative let me know that they would send me a letter with the detailed information of the current and past due charges of my student loan. I am still waiting the requested information and details of the student loan, and why I have to pay past due charges if I never heard, or received notice calls or letters, with such information related to my student loan.

Principal Balance : {$2400.00} Past Due : {$2200.00} Total : {$4600.00} I tried to solve this matter with XXXX and didn't received any information from them, I created and updated my contact information in my profile account of XXXX  because they had inaccurate information in their records.
Product: Credit card or prepaid card

XX/XX/XXXX, {$760.00} deferred interest charge. I spoke with 2 representatives on XX/XX/XXXX and I was told the deferred interest could only be waived if I paid the balance in full. 

In XX/XX/XXXX, I went to a dentist and was offered Care Credit because I did not have insurance. I was told by the dentist it was interest free and they paid the interest. Neither she nor her office personnel explained to me that I would have to pay deferred interest if balance was not paid in full, nor was I ever explained to about any promotion. I am a XXXX citizen on limited income. My XXXX statement shocked me when I saw what I was charged for interest from the time of purchase when all along I thought the interest was paid. I would have never accepted this offer if I knew this from the beginning. I truly believed when I was enrolled what the dentist told me, it was interest free.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 c
ause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017, I paid the total amount owed in full and was promised the account would soon close. XXXX  XXXX  is reporting a false amount and still has the account open
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mine so i sent a identity theft report to all 3 CRA 's ( XXXX, XXXX, AND EXPERIAN ) REQUESTING THEM TO BLOCKED AND DELETE THE ITEMS FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS REQUIRED BY LAW. THEY HAVE VIOLATED THE FCRA BY NOT BLOCKING NOR DELETING THEM WITHIN THE TIME FRAME. 

I HAVE ATTACHED THE COPIES BELOW FOR YOUR REFERENCE
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2020 my pay check was garnished {$450.00} for a credit card debt owed. The balance owed was {$1500.00}. The attorney handling my debt, Rausch Sturm Israel and Enerson ( XXXX ) have continued to garnish my wages, although the debt is now paid in full. I have now paid {$1800.00}. When I called to complain, they seemed uninterested and I never received a call back. I need what I overpaid to be returned ASAP. I emailed them paystubs showing the garnishment is still happening.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX at 13 % + in XXXX while in the military. After financing issues, I was approved. I paid the XXXX off in about 3 years when I XXXX in XXXX. Once I get back from XXXX, I found letter stating that I was being sent to collections due to under payment even though I asked for a 30 day payoff and submitted payment within 10 days. It has no phone off of my report, but I did not receive the difference from the gap insurance payment. This company damaged my credit for seven years, and now I have found out shady practices were being used.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. XXXX and remove them.
Product: Mortgage

We are not currently in foreclosure and have applied to XXXX XXXX  to prevent anything while My wife, XXXX yer old, XXXX XXXX XXXX, XXXX XXXX old and myself all have XXXX and XXXX. Issue I am having is we are trying to sell the house and company used a XXXX party service to threaten to change locks and charge me money to upkeep the house that I drag myself to every other day, if I can, to clean and keep up on. They did this under the guise of " protecting the home. '' Which I am already doing and the company they used XXXX XXXX has documented instance of breaking into homes that are for sale to do this " service. '' This feel like another way to squeeze money out of people in hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX documents along with proof of identification to Equifax and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to Equifax to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for XXXX, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Checking or savings account

Transactions are re-sequenced and come out of a my account a week later than they occur. For example, I purchased XXXX tickets on XXXX, XX/XX/2021 in the amount of {$97.00} and the amount wasnt withdrawn yet as of XXXX, XX/XX/2021. 

Almost all of my transactions are this way, and barely anything posts on the actual day the transaction was made. My previous bank closed but they didnt do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXXXXX**** This is not mine.
6. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

On or about XX/XX/2020 I noticed unauthorized transactions on my account after my account went into negative status. I contacted the bank to file a complaint and dispute the transactions done thru XXXX XXXX on my account. This totaled {$8500.00}. I never authorized anyone access to my account. I did receive a link to my phone that stated it was XXXX XXXX. I never filled out anything with that link. Navy Federal is indicating based on me sharing with them that I received a link, the number of times I logged into my account and based on how a rep noted my account my {$8500.00} that was stolen out of my account is pretty much my loss. After filing this claim my debt card use was blocked THAT IS UNACCEPTABLE.. I spoke with a VERY RUDE XXXX agent a guy from the card fraud dept around XXXX and XXXX who noted a lie on my account. This has caused me to be at a loss of {$8500.00}. I do not remember the guy name, but he was in the card fraud services dept. I would like my debit cards unblocked and my funds back in my account. someone stole my funds using XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 90 days ago and still have not been notified of any information positive or negative. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done.
Product: Debt collection

Debt does not belong to me. I called XXXX XXXX and verified that this debt does not belong to me. I disputed this with all three credit bureaus, and two out of the three removed it except for Trans Union.
Product: Payday loan, title loan, personal loan, or advance loan

A couple years ago, i financed floors from a company called XXXX and used GreenSky handle the loan. I have since had warranty issues with the floor and have been unable to contact the merchant since they are no longer in business. I read over my agreement with GreenSky and have read that if i have any issues i may not have to repay the full amount.. 

I reached out to Green Sky several times, but they refused to adjust the balance. I only owe {$500.00} on the balance and have made regular payments. Id like greensky to forgive the remaining balance for the troubles Ive had with the warranty and their lack of customer service
Product: Debt collection

I opened a XXXX store credit card around XX/XX/XXXX and I was making payments on time every month. Around XX/XX/XXXX or XX/XX/XXXX my purse was stolen and all my identifying documents were in my purse along with credit cards. The card got maxed out in a matter of days. I contacted them to make them aware which they were suppose to report the card stolen and all charges credited back but that never happened. Now the account is in collections and I am expected to pay.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

TD Bank claims they debt discharged an account belonging to me? 
I have never done any business with this Bank. 
Never received any written notification 's. 
Don't know what this on? TD Bank does not show up on any of my credit reports and nothing showing any cancellation of debt, charge-off from TD Bank. 
I received a notice XXXX they had filed a XXXX in 2022 for {$6300.00}.
Product: Student loan

I closed my account with Navient and I told Navient to cease contacting me because I was threatened by several of their customer service agents. Navient keeps telling me that they are putting in police reports against me about things that never happened. Navient contacts me everyday with frivolous matters or Navient calls me and threatens to send the police after me for not paying my debts. They keep calling, emailing and mailing me letters even though I asked Navient to cease and desist contacting me. A woman named XXXX XXXX and XXXX XXXX keep contacting me everyday. ( XXXX and XXXX also lied and said they were from the US DEPT OF ED but they are from Navient ) Navient is unfairly harassing me at this point. I closed my loans with them and my loans are being serviced through a new provider due to Navient threatening and harassing me. I want the unwanted harassment to stop. My account is closed with Navient, they have no reason to contact me everyday.
Product: Credit card

Without fail, I've maintained timely payments on this account, preventing any from becoming overdue. The reasons for the late payment remarks on my accounts are unclear to me. As per 15 USC 1666b - Billing Error, corrections are warranted.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
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. 

Account name : XXXX XXXX XX/XX/XXXX, Account name : XXXX XX/XX/XXXX, Account name : XXXX of XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXXXX/XX/XXXX, Account name : XXXX 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 XXXXXX/XX/XXXX, 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: Credit reporting or other personal consumer reports

I applied for an auto loan at XXXX XXXX in XXXXXXXX XXXX ( XXXXXXXX XXXX ) and was told that I was applying for financing through them. A few weeks later, checked my credit report and noticed SEVERAl hard inquiries on my report that I did not authorize. My information was being ran through a lender database without my permission. I want these hard inquiries removed. I did not authorize these companies to use my information and this is against the fair credit reporting act. 

I have also filed an identify theft report. 

The following hard inquires were not authorized or approved otherwise with my signature or verbal approval : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Attempted to write, and made phone call to the company Rent recovery Solutions. The company could not and did not ever verify this debt. Also they did state the signature was signed electronically. Never my signature. But they never removed account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & experian violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.