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

In accordance with the fair credit reporter actXX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXXAcct # XXXX XXXX Bank Acct # XXXX
Product: Student loan

On XX/XX/2019 my Federal student loans were discharged due to XXXX ( XXXX XXXX XXXX ). Despite several calls to Navient to see what my options were for a total permanent XXXX discharge. Navient refused to discuss the matter or offer any assistance. I researched everything on line myself, submitted the application and physician certification. Navient was NOT helpful at all, On XX/XX/2019 I contacted Navient, my student loan servicer, to discuss what steps I needed to take regarding a private student loan that they are servicing now that the Federal loans had been discharged. 
The loan was taken out as a XXXX XXXX loan in the amount of {$5000.00}. The loan is now at {$12000.00}. I understand the XXXX XXXX follows the Federal discharge process and that private loans will be discharged once the Federal loans are discharged. 
I asked Navient what the options were for discharge and they told me that I would need to submit a " separate form '' for discharge. The " separate form '' is not available on their website and they refuse to email it to me citing " corporate policy ''. The representative said the form would be mailed. I have called twice to follow up and still have no form. 
I have provided my physician certificate affirming XXXX to Navient electronically and via USPS. I have received no acknowledgment of their receipt. Navient is still collecting on the debt, still calling me, and still accruing interest and late fees. 
Today the Navient representative told me that my loan was not a Sallie Mae loan and is not eligible for discharge. How can this be when the lender was Sallie Mae? 
I am so concerned because I am reading disturbing things about Navient online. I want to have my private Sallie Mae loan discharged via XXXX but Navient seems unwilling or unable to assist me. Something is very wrong with this company.
Product: Debt collection

have received repeated phone calls from XXXX XXXX for Credit Solutions, XXXX of Kentucky requesting I call them to give information about some debit. I have talked to some one at this company twice at XXXX. Initially when I called about 2-3 weeks ago ( unfortunately I did not record the date ), the man I talked with didn't even have my phone number recorded. According to him, the company was not looking for a " XXXX XXXX '' in XXXX, Fl. .It was supposed to be resolved than. Tuesday, I again, received another call and called back, once again, getting a man who was going to resolve.this issue. I told him the next phone call would either be to this agency or my attorney. Today, XX/XX/ between XXXX and XXXX I received another call. I do not owe any debts to anyone. My concern is that I will have some of my accounts could be garnished. I would appreciate any help that you could give me
Product: Checking or savings account

I have spent XXXX hours total on hold in the past week attempting to get access to my Citizens bank account online and through their mobile app. Their support personnel keep saying " there's a new authentication system, and it isn't working... there isn't anything I can do... try again later ''. I try again later, days later, and still nothing. The nearest physical branch is nearly an hour away from me and they will not fix their online access issues. Their support people do not have any ability to fix, reset or unlock accounts- and they have repeatedly stated that they, too, are frustrated with the poor software that was rolled out for the new authentication system which is non-functional. 

I have no access to my money at all because of this issue and the bank is not resolving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and this is not my account.
Product: Credit card

I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during XXXX.
Product: Money transfer, virtual currency, or money service

After my first email they emailed me back XX/XX/2021 saying they received my request I had simply stated I was locked out of my account. 

Couple days later agent emailed me and told me I had to resubmit verification I did that. From there it has been no response from them emailed them again on XX/XX/2021 No response XX/XX/2021 no response I also reached out to them via all social media channels I finally found why I was locked out of my account from doing research online it was because of a charge back of XXXX dollars. I submitted a payment of XXXX dollars into my account they took the XXXX out. Then I submitted an additional XXXX to cover any fees just in case. At the time of writing its over XXXX dollars in my Binance.US account that I dont have access too
Product: Payday loan, title loan, or personal loan

I received a process of garnishment from XXXX XXXX for the company named XXXX XXXX XXXX XXXX. I had told them several times that I had got injured at work back on XX/XX/XXXX and had been off work since then. I had a XXXX XXXX  on XX/XX/XXXX and on Thursday I had this document delivered to me for garnishment. Several employees from this company have been to my place of residence and was aware of my condition. I just was released by the doctor to return to work on XX/XX/XXXX. The amount that this company is asking for is more than the contract amount that I received. I was given a loan in check form in the amount of {$2000.00} or it could be a few dollars more or less. I had been paying on this loan up until I was injured and I am trying to figure out how could he sue for {$2700.00} when I have indeed been paying on this loan before I became injured. It seems as if this loan company want money that I already paid towards the loan too. And I thought since the pandemic was going on companies are not able to collect on debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apartment Complex that I have a debt for has two different collection agencies on my report for the same debt, but showing slightly different amounts. One is XXXX XXXX for {$550.00}, dated XX/XX/2019 and the other is XXXX XXXX for {$530.00}, dated XXXX XXXX. I disputed once with Transunion ... .they took one off ... XXXX XXXX. I check my credit, transunion put it BACK on my report. I disputed again, both companies are still showing for the same debt.
Product: Debt collection

I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.
Product: Debt collection

XX/XX/XXXX, I entered an agreement with XXXX in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make 9 payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with XXXX XXXX and we should send subsequent payments to another collection agency, FIA Card Services. They gave us the new information. I completed the remaining two payments with FIA Card Services XX/XX/XXXX. To my greatest dismay, XXXX XXXX filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach XXXX XXXX to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When Bank of America severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at XXXX time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under fair Credit Reporting Act. ( FCRA ) to conduct a reasonable reinvestigtion of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy
Product: Credit card

I signed up for an American Express Platinum card with a XXXX Membership Rewards bonus after completing {$3000.00} in spending over the first three month. I completed the spend requirements and was awarded the bonus on XX/XX/XXXX, but the bonus was taken back on XX/XX/XXXX. No one at American Express will tell me why the bonus was was taken back. I feel as this is a bait-and-switch tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting old inquires on my credit from 2016. There are also collection accounts that I do not recognize.
Product: Money transfer, virtual currency, or money service

i have a robinhood account which allows fractional shares of stock to be purchased. i have approximately 11 and a half shares of tesla. each month i transfer money from my bank account ( XXXX dollars ) to my robinhood account. every day that i would log in it would automatically recognize my computer and show my balance. one day i tried to log into my bank account and could not log in speaking on a phone i spoke to support and he suggested i change browsers from XXXX to XXXX edge and i was able to log in to pay bills, and what i think happened was my robinhood account did not recognize my computer when i logged in it treated me as a new customer with no money, when i try to get hold of support it tells me to give my info which tells me there maybe someone with that emai lalready exists, i have sent my passport photo twice for verification and receive an email stating for me to verify myself by sending a passport photo how many times can i send a photo. please help.
Product: Prepaid card

I attempted to use my Amex gift card ( purchased on XX/XX/XXXX ) from XXXX. On XX/XX/year>, I made XXXX attempts all with various amounts to make a purchase on XXXX. The gift card was for {$50.00}, I tried {$49.00} and {$9.00}. Starting with XXXX dollar less and continued to try various lower amounts. Many people have reported having this problem during the year.
Product: Student loan

I co-signed one of my daughters XXXX student loans, now Navient, and when she became XXXX I started making payments even though they kept applying it to her other loans. I then was laid off from my job and became unable to continue making the payment amount they requested. I offered to pay less but they refused to accept less. They then sent me to collection and ruined my credit which was always excellent. I am now living on social security only and unable to make any payments since I am well below poverty level. I am requesting this loan be discharged and my credit be restored to what it was. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Product: Credit reporting or other personal consumer reports

Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by XXXX writing to report serious privacy violations and inaccurate credit reporting by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) regarding my student loan account. The issues began when the servicer was changed from NELNET to XXXX, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that XXXX had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent. 

Furthermore, despite regulatory requirements, XXXX has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about XXXX 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by XXXX. 
XXXX : Contacted XXXX to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXXXXXX XXXX privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by XXXXXXXX XXXX erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and XXXX 's inaccurate credit reporting continues to negatively impact my creditworthiness.
Product: Debt collection

I do not recall owing any amount that would be in collections with Rent Debt Automated. I have tried calling several times to get more information but I have not been able to reach anyone. I have not received any information validating this debt or itemized documentation proving that the amount Rent Debt is reflecting on my credit report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$180.00} XXXX XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX : XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} TRANSUNION : XXXX XXXX XXXX A XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed XXXX {$180.00} XXXX  XXXX XXXX Balance Owed : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously.

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented.

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

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