23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private school loan was transferred from XXXX XXXX to Navient XX/XX/XXXX. 

Since that time I have been making payment buts since it is a variable interest rate my interest rate has ballooned. 

Attached is a printout of my payment history. 

The last phone conversation I had with XXXX XXXX at Navient on XX/XX/XXXX inquiring why my payments are increasing even when the Feds don't raise interest rates, I was informed that every 3 months my payment history is reviewed and they automatically raise my interest rate without informing me. Currently my interest rate is at 17.625. 

At this rate, I will never pay back this loan amount. This is very suspicious practices by Navient and feel that I am being taken care of. My loan rate has gone up to almost 250 %. 

I understand Navient has been sued before and want to be included in a class action suit. 

Thank you. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I got an email stating my wells Fargo business account has been closed I tried to contact them there was no help
Product: Debt collection

Credit Control Company, has been reporting me for years of having a delinquent account for a cable bill that was paid on time with the cable company upon terminating my service. I have disputed this with the credit bureaus and I have had no resolution. They are even reporting the same balance twice under XXXX different accounts! They have not provided any substantiation of the debt and their customer service is awful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$55.00} US DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX {$89000.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my dissatisfaction with the handling of my recent request to remove fraudulent items from my account. 

Despite my prompt action and providing all necessary documentation to support my claim, I am disappointed with the outcome of the initial attempt to remove the fraudulent items. The process has been slow and ineffective, and the fraudulent charges remain on my account, causing me undue stress and financial strain. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this issue. The failure to promptly address and remove the fraudulent items has not only compromised my financial security but has also eroded my trust in your company 's ability to protect its customers from fraudulent activity. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account and provide me with clear communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXXL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/2022.
Product: Payday loan, title loan, personal loan, or advance loan

CreditFresh has so high fees that I can not pay my loan off even though I pay XXXX a month which doesnt touch my balance. The interest vs principal pay is ridiculous..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail and going regarding some discrepancies and inaccurate information on my consumer report! I requested that they break down and prove the accuracy of these reported items. Under XXXXXXXX XXXX XXXX I have a right to a full investigation on these items and they haven't validated no debt! I haven't received any correspondence from the agency except a stalling letter from TransUnion asking if it was really me who sent the letter.
Product: Debt collection

1 ) Had called XXXX XXXX if they take our insurance they said yes 2 ) After service they said they didn't send us bill over {$1000.00} 3 ) Called XXXX XXXX to resolve this they refused to call insurance company 4 ) Called insurance company, they were ready to work with us, but XXXX XXXX was not 5 ) After few days they send to collection agency Radius Global Solution LLC 6 ) We called insurance company again and they said XXXX XXXX  need to resubmit and they will work with them XXXX ) End of XXXX ( XX/XX/XXXX ) Dated we received invoice of {$280.00} from XXXX XXXX XXXX ) A check date XX/XX/XXXX was mailed to XXXX XXXX  as per statement, so this should be cleared off XXXX ) now Still I am getting bill of {$70.00}. Today, called Radius Global Solution LLC per them I need to call XXXX XXXX, both parties are playing, XXXX ) I am attaching Detail copy shows XXXX balance on XX/XX/XXXX and then someone charged collection fees of {$70.00} not sure why I have pay collection charges after paying what invoice was send for {$280.00} and was paid. 
XXXX ) this clear volitation and in past they had send my Daughters information to me too this is violation of HIPAA!
Product: Credit card

I recently received a Chase Amazon Visa card in the mail. I had not requested this. I contacted Chase Bank to have the account cancelled and the inquiry removed from my card. Chase was unable/unwilling to provide details on HOW the account was opened, but their fraud department indicated I would be contacted by an investigator shortly and the issue resolved within 30 days. It has been over a month, no contact has been received and the inquiry has not been removed from my credit. Furthermore, Chase still refuses to tell me how the account was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  U S DEPARTMENT OF ED  Account #  XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX .... Balance : {$620.00} ; XXXX XXXX XXXX ... XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : XXXX XXXX XXXX DC XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXXXXXX XXXX XXXX. Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1700.00} ; XXXX XXXXXXXX XXXX XXXX. Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I did the student loan forgiveness forms and nothing happen. I can afford to pay this debt
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, XXXX XXXX XXXX  XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX
Product: Money transfer, virtual currency, or money service

I disputed my last 2 transactions with PayPal, because the items were never shipped, therefore never received. I reported it and opened a dispute on XX/XX/21, I logged in to check the status today and you closed the disputes the same day I opened them and I don't have a refund nor my merchandise. I placed the order on XX/XX/21 and it was supposed to ship out that day. It is now XX/XX/21 and the merchandise still has not shipped. I have been in daily " texting '' contact with the Store. I opened a complaint with Paypal on XX/XX/21 noting that the merchandise was never shipped nor received, and Paypal closed the complaint the same day without investigation nor resolution. I can not contact Paypal, they hang up on me and wont respond to my emails. How do I proceed to make things right? Thank you for your help.
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, 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 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: Debt collection

Complaint Regarding Deceptive Debt Collection and Financial Hardship I am submitting this complaint regarding deceptive and unfair debt collection practices by XXXX XXXX XXXX. The company charged off my auto loan but failed to provide me with a XXXX form as required by law, which has caused significant financial and legal complications. 

Additionally, XXXX XXXX XXXX improperly shared my personal and financial information with a towing company without my consent, resulting in the loss of my vehicle and {$1500.00} worth of personal tools that were inside at the time of repossession. I was never notified about the charge-off process nor given an opportunity to reclaim my belongings. 

As a direct result of their actions, I lost my job, which I had worked hard to secure during the XXXX pandemic. The financial hardship caused by the unauthorized debt collection and lack of proper documentation led to my inability to provide for my family. Due to my job loss, I fell behind on my rent payments, and this ultimately resulted in an eviction, further damaging my credit and living situation. 

Supporting evidence from my credit report shows an entry from XXXX XXXX XXXX, which reflects my eviction and the financial impact caused by XXXX XXXX XXXX improper actions. This eviction has placed undue emotional and financial stress on my family, particularly my fianc, who was pregnant at the time. 

XXXX XXXX XXXX failure to provide the required tax documentation, mishandling of my personal information, and their failure to notify me about my rights to dispute the debt are clear violations of my consumer rights.
Product: Debt collection

I received a notice in the mail that I owed money to an emergency room called XXXX XXXX XXXX XXXX XXXX. I tried calling the company at the address listed and its actually listed XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX. Another emergency room is at this exact location listed and called XXXX XXXX XXXX XXXX in XXXX, TX. The phone number is XXXX and I talked to XXXX who verified no record of me in their system. The phone number listed under XXXX XXXX XXXX XXXX is XXXX. I called this number and it rang for several minutes with no answer and eventually stopped ringing. I just received this notice today, XX/XX/2019 and letter is dated XX/XX/2019. There are no dates of when the amount was charged under my name. The letter claims it was placed by CFSI for collection by XXXX XXXX XXXX. I have not been to the hospital in the last year and I have not been in XXXX for almost 7 years now. The amount they are requesting is {$180.00} and offered to take it off my credit history for {$140.00}. I do not have insurance and only visit low income/free doctors in the XXXX area. I suspect this is fraudulent activity since the addresses and phone numbers do not match up. The company attempting to collect this debt is called Common Wealth Financial Systems, XXXX XXXX  XXXX, XXXX, NC, XXXX phone number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re the following claim numbers : Transunion File Number : XXXX CFPB Complaint # XXXX Attorney general ( XXXX ) Account : XXXX XXXX XXXX Georgia Docket XXXX XXXX In response to my complaint, your company recently mailed me a notice from the Pennsylvania Attorney General 's office and the Consumer Federal Protection Bureau ( CFPB ) portal stating that the items are accurate and that you won't reinvestigate unless you need more relevant documents. 

The issue with this notification is that I gave your company, the Attorney General Offices, and the CFPB pertinent documentation from the United States Bankruptcy court supporting my claim, and you disregarded the information. 

After reading the FCRA law regarding the steps your company must do when a customer challenges a record in their credit file. It is stated in sections ( 4 ) and ( 5 ) that you must review and consider all pertinent information that I, the consumer, have given. 

Additionally, it stipulates that you must eliminate the item from your files if the consumer 's documentation renders sufficient. 

The sad aspect is that you are currently flagrantly " BREAKING THE LAW '' and infringing upon my rights as a federally protected consumer. This is my last attempt to work with your company to resolve this issue. 

Due to the fact that your company did not carefully review the pertinent documents I received from the US bankruptcy court and since there is evidence that your company was unable to validate my claims. You breached my rights in accordance with 15 USC 1681i ( 4 ) ( 5 ) ( i ) by neglecting to validate the public record, along with providing the clerk courts ' name that was used to validate the bankruptcy in their records. 

I demand that you remove the public record indicated below from my credit file for violating my rights under the Fair Credit Reporting Act ( FCRA ) regarding the handling of unverifiable material and failing to take into account the supporting documentation you requested.
Product: Debt collection

On XX/XX/2022, I, XXXX XXXX XXXX, beneficiary of the XXXX family trust estate, made a complaint on the CFPB website in regards to me discovering a billing error while looking over my American Express XXXX XXXX XXXX statement in the amount of {$2900.00}. In good faith, I brought this to American Express attention by mailing in a billing error dispute on XX/XX/2022. 

American Express response to this complaint stated that the amount reflected on the billing statement is the amount that I owe not the credit balance. I would like to know how do I owe an amount that has already been paid pursuant to federal law 18 U.S.C. 8 all obligations are covered by the United States, this includes all debts. Also if this alleged debt is owed why is it not reflected as a negative balance. A credit balance is a positive amount in excess of {$1.00} which the principal amount is clearly showing on this statement. American Express billing statement also states " a credit balance ( designated CR ) shown on this statement represents money owed to you. '' No where on this statement do you define an amount due. American Express is using the same verbiage to federal law 15 U.S.C. 1666d but is not following what needs to be done with the account which is crediting the amount back to my account and refunding any part of the amount to me each month. I've also noticed that the transactions on my billing statements I am being charged a finance charge but according to 15 U.S.C. 1605 a finance charge is the sum of all charges which is concerning because why is American Express not including every single charge on this statement in the finance charge and an even bigger concern is why is American Express defining the finance charge as something different. 

I made several request in my previous complaint which American Express failed to comply as well as ignored the other request. I will state again here, I would like to validate this debt and am requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102.

American Expresses stated that they can cancel and suspend my spending abilities at there discretion. American Express also stated that in their cardmember agreement I agreed to them being able to furnish my personal information to the credit reporting agencies. Both of these actions can result in a fine and up to 20 years of imprisonment pursuant to 18 U.S.C. 894. 

On, XX/XX/2022, I, XXXX XXXX XXXX, on behalf of my principal account XXXX XXXX XXXX, endorsed a bill by accepting all rights, titles and interest owed to my principal account and requested that the principal balance be paid on demand to the bearer. Included with a letter of instruction to XXXX XXXX, sent certified mail. It is on record that the letter was received and the receiver was given five ( 5 ) days to respond and has yet to respond. 

I, XXXX : XXXX, a natural person and of legal age, am the beneficiary of the principal account. I demand that my request are taken seriously.