23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It seems like all of a sudden, Navient has raised my monthly federal student loan payment to {$620.00} instead of the income-driven amount of {$27.00}. Apparently, I need to renew my income-driven application, and when I go online to do so, I see that the income-driven choice requires me to continue making loan payments for 25 years. I have been under the impression since I went back to school in 2011 that student loans only have to be repaid for a maximum of 10 years. I am an XXXX and do not earn anywhere near enough income to make payments of {$620.00} a month. Now XXXX, I also have discovered that I am not likely to be hired for a high-paying job that would enable me to make those kinds of payments. Has the 10-year repayment policy changed? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XXXX XXXX  please remove this account off my report I did not give permission for this to be put on my report or stay on my report.
Product: Debt collection

I have received repeated phone calls over a period of approximately 1 month or more from this debt collection company. The caller ID identifies them as Portfolio Recovery. They seldom leave a voicemail but one of the times they did they specifically asked for an individual by the name of XXXX XXXX. I DO NOT KNOW a XXXX XXXX and I have had the same cellular number for well over 10+ years. They call from all various numbers and a few have been listed below. I use XXXX as a call screener and this company has been reported a spam/scam. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX XXXX XXXX XXXX. Acct. XXXX XXXX XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX XXXX XXXX. Acct. XXXX XXXX XXXX XXXX  XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for vehicle financing with GM financial on XX/XX/2021. I received the vehicle XX/XX/2021. 

I see that there are 4 additional credit inquiries from GM Financial in the next 2 months that I did not authorize. GM states they did not inquire. The inquiries are dated : XX/XX/2021 XX/XX/2021 ( 2 inquiries on this date, one from XXXX XXXX GM, one from XXXX GM ) XX/XX/2021. 

I did not authorize these, I was approved based on the correct XX/XX/XXXX credit check.
Product: Checking or savings account

On XX/XX/2022 my ex-husband passed away and my XXXX son is his next of kin. I learned at that time that he had failed to refinance the mortgage on a home we purchased together. At the end of XXXX I started trying to let Truist know of his death. 

After my call being disconnected multiple times after XXXX minute holds, I made an appointment to see a banker in a branch. She was helpful in getting me access to the mortgage account, but I did not have sufficient documentation for her to help me in any other matter. 

I was able to gather all of the documentation : will, death certificate, divorce decree, record of my remarriage to legally validate my name change, POA from my children, etc. 

Then the fun started. I have not had an actual conversation with anyone who can help me. I am on excessive holds of over XXXX minutes to be connected to an off-shore agent only to have my call disconnected. At first I was understanding about the challenges that may have come from merging SunTrust and BB & T. Frankly, I'm over it.

I'm employed by a competitor and I know that it should NOT be this difficult. My ex-husband, their customer, is dead. According to the documents that I have found, there is adequate funding in checking/savings accounts that would have covered the thousands of dollars that I have had to spend related to this death..but I can't even reach someone to begin the process of these funds being released to his next of kin, as stipulated in his will. I am furious. Below is a " transcript '' of today 's interaction. I had been so excited that the wait time was reported at 20 minutes. The hold time doesn't matter, when the agents are incompetent.

Truist off-shore agent : Thank you for calling Truist. How can I help you?

Me : Hello. I need to report the death of one of your customers. The paperwork suggests that he had many accounts with you.

Truist : To clarify, you want to submit a complaint about a letter you received?

Me : Id like to speak with a representative in the US.

Truist : One moment. ( Hold music- then recording ) You have been awarded a rebate coupon for using your credit card at specific merchants. Press 1 to redeem your rebate now. Or hang up.

Me : ( No response ) Truist : ( recording ) You have exceeded the number of allowable responses. ( line disconnects )
Product: Debt collection

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

CASH APP has been notified in a previous complaint that they are illegally holding my property ( money ). This illegal siezure of my property is illegal pursuant the FDCPA. Due to their willful negligence CASH APP is now an accomplice to the violations committed by XXXX XXXX XXXX. and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect an alleged debt. In doing so they have violated several laws under the FDCPA. I have attached a notarized Affidavit Of Fact which outlines the various laws that are being violated. My consumer rights are being wrongfully violated, and a financial hardship is being caused by the illegal seizure of my property. I have already attempted to resolve this issue which was demonstrated in my previous complaint XXXX.
Product: Debt collection

I have been contacted by LVNV Funding LLC several times in regards to a debt listed in the amount of {$590.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.
Product: Credit reporting or other personal consumer reports

Hello I am writing this letter to notify the credit bureaus of these fraudulent accounts that I never open. I am a victim of identity theft. Also, my identity was stolen for personal gain. Please delete all fraudulent accounts listed below. 


Account name Account number XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX. {$1200.00} XXXX XXXX XXXX. XXXX {$770.00} XXXX XXXX XXXX. XXXX {$1300.00} XXXX XXXX XXXX XXXX  XXXX {$630.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX  XXXX XXXX {$790.00} XXXX  XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX  XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a banking account with XXXX. XXXX could not open the account due to the consumer report that XXXX received for Early Warning System. I contact the company to have my report sent to me. After receiving the report, I submitted a letter to start an investigation on a dispute. I sent a total of four letters requesting documents and validation of the information that was being housed and distributed to other companies at request. Early Warning responses each time calling these investigations frivolous dispute. The process started in XX/XX/2022, it has been over 30 days and 4 attempts for Early Warning to valid the information. The company has failed to provide documents for the information on my consumer report.
Product: Credit reporting or other personal consumer reports

there is an inquiry in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove it thank you : XXXX XXXX XXXX inquiry date XX/XX/year>2022 2022
Product: Mortgage

i requested intervention with wells fargo after getting the run around. 
After contacting CFPB they immediately contacted me. then began to quickly play the shell game the first time they called i missed the call and it went to voice mail and they left a message when i returned the call they stated since i did not pick up the phone they closed the case and would have to reopen a new one. this in turn set a scenario where as i was transferred to 2 different reps handling my complaint. 
in final the last rep wrote me a letter saying i went through 2 trial payments which was true then they stated that my Loan was a mortgage backed security and it could not be modified. then they said that the reason my loan was not modified was because all of my paper work was not in which was totally false. i had satisfied all requirements for the modification. they intentionally waited to the last minute so my mortgage would go into foreclosure. I called back and opened up another case after i read the response and was called by the original representative whos number and extension I had previously stored in my phone he acted as if we never spoke then after taking my information said he would follow up in 2 days and to this point a week later i have not heard from him
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote off the debt which means this debt is discharged. THIS DEBT NEEDS TO BE REMOVED FROM MY CREDIT NOW. 

Iq data- did not provide verification of my debt. I have repeated asked for a contract from iq data to verify the debt i owe. This is the 3rd time i asked, and havent received any paperwork. Please REMOVE FROM MY CREDIT REPORT, AS THEY HAVE VIOLATED FDCPA FOR NOT VERIFYING MY DEBT. 

The dealership did not provide those mandatory disclosure forms at signup. This is a major violation and I exercised my right to rescind my contract. XXXX XXXX unfairly denied my rescision and discriminated against me. 
REMOVE XXXX XXXX ASAP! 


i HAVE ATTACHED ALL 3 LETTERS BELOW FOR YOU ALL TO VIEW
Product: Credit reporting, credit repair services, or other personal consumer reports

I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.
Product: Credit card or prepaid card

I bought my prepaid XXXX  at the store and loaded XXXX dollars. I went to load it and it gave me the error message shown in the attachment. I called Netspend the automated system asked for the card number and social. When I put my social of course it said not found. When I bought the card social or name wasn't given. I spoke to thr 1st rep they rerouted me to the same automated system. They are refusing to activate this card yet they took my money and they wan na endlessly route me to the automated system.
Product: Credit card or prepaid card

My name is XXXX XXXX. I do not have my account number. I opened an account with synchrony bank for their amazon store card. Ever since I have made payments at least double the amount I was supposed to. For example the typical payment due was XXXX $ I payed at least XXXX $ each month. The account was closed in XXXX but I have continued to make payments each month of at least XXXX XXXX The balance has stayed the same at XXXX $ no matter how much I pay, I just found out I was changed around % 2 of the balance each month as insurance. The only way to opt out of it was to mail back a piece of paper back in XXXX. I do not think this is fair. In two years I have payed over XXXX $ for a XXXX $ balance.
Product: Credit reporting or other personal consumer reports

I received notification of a data breech from XXXX XXXX with the suggestion to place a credit freeze with Equifax which I was told I could do free of charge. On XX/XX/2024 I tried to open an account with Equifax online. At the end of the process I received a screen that said my account could not be completed and to call Equifax. I called the number but the automated system would not connect me with a person. I tried several times, choosing different automated options to speak with someone. Finally it sounded like I would be directed to a person but then I was asked to enter my mobile phone number. I DO NOT HAVE a mobile phone. There were no other options, I was redirected back to the automated system - not an operator/person. I have been left with no way to contact anyone at Equifax except to write a letter which will take days and leave me vulnerable to identity fraud in the meantime. 
I am writing to Equifax at XXXX XXXX XXXX XXXX, GA XXXX but meanwhile my social security number is compromised and I can't fix it. This is totally unacceptable.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX matured for account XXXX ; XX/XX/XXXX Annuity closed : check deposited to XXXX XXXX  ; XX/XX/XXXX Received an account statement for {$.00} ; Called XXXX XXXX at XXXX ; said all accounts were closed ; XX/XX/XXXX Received an account statement for {$.00} ; Called XXXX XXXX and XXXX XXXX told account was closed ; XX/XX/XXXX Received an account statement with a XXXX balance on account ; XX/XX/XXXX Received a notice from Truist for an Annual Custody Fee for {$60.00} that would be deducted from account XX/XX/XXXX ; XX/XX/XXXX Called XXXX XXXX and XXXX XXXX XXXX XXXX ; said it was a mistake ; XX/XX/XXXX Sending complaint as someone else might have paid this fee for a closed account. Further investigation is needed.
Product: Debt collection

The bank capital one basically my XXXX XXXX was my ex fianc for XXXX years got a credit card and he was a guarantor of the credit card. It went to his address his phone number everything he was in charge of it. I just paid the vet bills because my dog was sick and he got me a credit card because obviously my credit wasnt that great to get an email credit card so he basically reported as fraud and now its stuck on my credit report when its because he broke up with me in XXXX and youll see that everything is paid up until that point and its not My this is he is the one that got it for me. I never asked him to it was under his his name as well and under his credit and it went to his address in XXXX XXXX not to my address, and it was not under my phone number so I had no control over it.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX act ending inXXXXXXXX XXXX XXXX XXXX act ending XXXX XXXX XXXX XXXX act ending in XXXX has violated my rightsunder 15USD 1681sec6028 states I have the right to privacy 16usd1681sec6042 consumer reporting agencies can not publish my accounts without written instructions
Product: Mortgage

Filed a complaint againt Chase mortgage company in the beginning of the year because I was having a problem with a short sale after the other owner passed away in XXXX. I have been trying to sell the property since XX/XX/XXXX. As if today, they are still giving me the run around.I was contacted by a employee from their executive office about this matter. She stated to me that I would not need a administrator or executor of his estate to sell the house because i was on the mortgage and note. I had a cash buyer and we were suppose to close by XX/XX/XXXX. Three days before this date, Chase decided that I was not on the title and would need someone for his estate to sell the property after they told me in a message and in documents that I didn't. I was contacted in XXXX by the executive office that I could sell the house myself, so why would they wait until it's time to close to come up with this. All Chase does is ask for the same documents a million times when they already know that they are going to hold on to the property as long as they can. It's been 1 year and 8 months trying to get this short sale done. This is why there are so many abandoned houses in the city of XXXX because when you try to do the right thing and sell the property instead of walking away from it banks like Chase give you the run around. Please do not get a loan for anything with this company. YOU WILL REGRET IT IN THE END.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$580.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.