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

I bought a car and took out a loan in XX/XX/2018. I received a letter from XXXX XXXX today, XX/XX/2018, stating that my XXXX credit score was about 200 points lower than my XXXX  credit score. I was rejected for a loan because of this, and my credit score from a more reputable source ( XXXX ) took a XXXX point hit. XXXX did not provide a reason for the discrepancy, and contacting them would require me to send copies of personal documents, like my social security card and my driver 's license, through the mail. To the best of my knowledge I haven't had any delinquencies or late payments. There are many others who have had the same experience, and I do not trust this company enough to send them any documents. The score they gave me is extremely inaccurate, and I worry about future credit problems.
Product: Debt collection

My husband XXXX XXXX XXXX XXXX daughter works for U.S.Bank & now she works for XXXX XXXX a computer company. She took out a student loan in his name we received a copy in XXXX he is disable from birth with XXXX XXXX he Can Not read & can only write very little. In XX/XX/XXXX we hired XXXX XXXX XXXX XXXX they showed us where & how she's been able to pull off this Identity Theft on her Dad, they went back to XXXX she got credit at XXXX XXXX & all the U.S.Bank positive accounts were done by her. She's a notary too, XXXX caught her signing his assets over to herself. We have contacted U.S.Bank over & over for years. They foreclosed on us for a mortgage we didn't do auction date XX/XX/XXXX then again XX/XX/XXXX, XXXX again on XX/XX/XXXX & now number XXXX XX/XX/XXXX. We stopped all six with documents they didn't think we had without a XXXX. We filed an Identity Theft Report with the FTC. In XX/XX/XXXX a lifelong friend found online three checking accounts in my husband s name we knew nothing about, they went to U.S.Bank closed that one they didn't give them any paperwork they went to XXXX XXXX & closed a joint checking account thy asked them how could she open a joint checking account without him being there they said that they didn't know they gave them no statements either, my husband & I closed the last one thge next day at XXXXXXXX XXXX XXXX XXXX XXXXXXXX they gave us some of the statements. On the cancelled checks the one in the middle is where she printed his name as XXXX then she sign his name he wasn't there & didn't give her consent & her & her ex husband bankrupt in XXXX with our property. On the fraudulent document stating he had sold XXXX  XXXX acres the seal is over the writing on the first page & we have 2 witnesses that was there when she sign his name it wasn't in XXXX as she stated it was done in XXXX. U.S.Bank in XXXXXXXX XXXX sold XXXX acres on XX/XX/XXXX the first auction date was XXXX you ALL ... XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent paid a Navient loan since XXXX, i was in graduate school deferment until XXXX. 

I could not pay in XXXX since I was still in graduate school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at Navient would speak to me. 

My cosigner claimed a XXXX  XXXX XXXX, and then Navient said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX  XXXX this past summer ( XX/XX/XXXX ). Navient showed up as written off then, due to XXXX  XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because Navient showed up again and changed the remark from XXXX  XXXX, to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score. 

At one point they transferred me to the Bankrupcy departmentrepeatedly, but people Would answer the phone and say they were from a training company and had no affiliation with Navient ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.
Product: Checking or savings account

Bank of America has frozen my checking account for absolutely no reason. When I called they said they can not give me any information. My payroll check is frozen in this account. I have not had any fraudulent activities on this account.
Product: Debt collection

NAVY FEDERAL CREDIT UNION is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation.

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that NAVY FEDERAL CREDIT UNION would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Product: Credit reporting

I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.
Product: Debt collection

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud. remains on my file with the last investigation. Based on the previous information, I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised. I think it started from credit karma dot com. My account on credit karma was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from credit karmas website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from credit karma, and I didn't even receive any updates for someone trying to update my email or phone number. I hope credit karma had the real people to handle the issue like this.
Product: Vehicle loan or lease

I received a bill for excess wear and use related to the end of a lease for a XXXX XXXX. The bill was dated XX/XX/2018. Upon review of the inspection report, I discovered significant damage to the rear bumper of the vehicle. There was no damage to the vehicle when it was returned and exchanged for a new XXXX XXXX. The salesperson XXXX XXXX XXXX XXXX took photos of the car when it was returned. Upon receipt of the inspection report and the bill, I contacted both Toyota Financial Services and the dealership. Both promised a review of the file and that they would get the photos from the salesperson to confirm there was no damage to the vehicle when it was returned. I emphasized to both parties -- especially since they insisted that I was at fault for not getting a pre-inspection prior to returning the vehicle -- that I was not told of the opportunity for pre-inspection until *after* I had exchanged the vehicle. Toyota Financial Services promised a call back from the escalations desk in XXXX hours. No call was received. Eventually, I received a revised bill which indicated that they had removed {$100.00} for " excessive stains '' on the seats. The {$460.00} charge for the bumper remained. Eventually, after being unable to contact anyone at XXXX or the dealership to resolve the issue, I paid the requested amount to prevent further collection action. I then spoke with a representative on XX/XX/18 who indicated I had been misadvised as how to handle a dispute and that I needed to write a letter to Customer Service XXXX XXXX. I did as directed and XXXX never replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, FL 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$29000.00} does not belong to me. The company continued to ask for documents and identification to further scam me or commit fraud which i do not feel comfortable sending information to this company i have never done business with. This company doesn't have any information or documentation on me due to this being fraud. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Synchrony Bank contacted my husband, who is not on my account and gave him my account number and balance owed. 
This is not legal.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated Reference ID : XXXX PayPal Store ID XXXX
Product: Student loan

This is my 3rd complaint I 'm filing against the Vermont Student Assistance Corporation ( VSAC ). This is not a duplicate complaint, as VSAC asserted when I filed my 2nd complaint in XXXX XXXX. To note - I have escalated this matter to my State of Vermont Legislators and they were somewhat helpful. My emails reporting this matter to some members of the VSAC Board of Directors went mostly ignored. 

XXXX XXXX, the General Counsel for VSAC, has stated that VSAC will not allow me to utilize the remaining months of reduced payment forbearance that remain on my private student loan accounts. When I have inquired why not, he has provided the explanation that I have not provided a plan to make full monthly payments as " required '' for forbearances to be granted. When I have questioned this policy, as it was only this past XXXX that I was told by XXXX XXXX that I needed to submit a plan to make full monthly payments with my request for reduced payment forbearance, XXXX XXXX has dodged my question and to this date, has not provided a reasonable explanation as to why I 'm now just being required to submit a plan to have forbearances approved. 

On XXXX XXXX, in response to a letter I received, I did submit a plan to make full monthly payments starting in XXXX. To note, I had provided a draft of this same plan in a previous email, but it was ignored by XXXX XXXX. The plan provided on XXXX XXXX, provided an outline to resume full monthly payments, is based on my projected income vs. expenses for XXXX, and is based on being able to utilize all remaining months of reduced payment forbearance. XXXX response to this plan submission - which he requested - was an implied no that VSAC will not allow me to utilize my remaining reduced payment forbearance months left on my account. 

At this point, I believe that XXXX, acting on behalf of VSAC, is purposefully making things difficult for me because I have questioned his contradictory statements over approvals of reduced payment forbearances and pointed out his inconsistencies and delays to responding to my questions. I believe this behavior is not only unprofessional, but unethical. I have reported XXXX continued difficultly to his superiors - the President and Vice President of VSAC. To date, my emails to them have gone unanswered and I still have not received a reasonable explanation as to why I am being told - over a half a year in advance - that VSAC will not allow me to utilize reduced payment forbearances in the future even with a plan to make full monthly payments submitted.
Product: Checking or savings account

XX/XX/XXXX a cashiers check was issued by me with the help of a chase rep in the amount of {$2500.00}. The amount taken from my account for this transaction was {$7500.00}, and the ledger supports this. An additional {$5000.00} was taken from my account with impunity and no accountability as far as the bank is concerned. Had I not gone back into my statement and looked at that transaction no one would know and based on this experience Chase does not have the process or procedure in place to prevent this sort of mishap. As a result I did not have access to said funds and have been paying carrying costs on cards that could have been payed off using said funds, in addition to any other use profit making use I would have been entitled to had Chase not made this egregious error.
Product: Debt collection

EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money. 

I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me. 

I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. 

I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE. 

I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED. 
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your
Product: Debt collection

I believe the account is invalid. The Moore Law Group, XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

The Moore Law Group, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX, XXXX Balance : {$1700.00}, {$7700.00}
Product: Student loan

The federal DOE promised borrowers access to Income-Driven Repayment ( IDR ) adjustments and Public Service Loan Forgiveness ( PSLF ) after separating Joint Consolidation Loans under the Joint Consolidation Loan Separation Act ( XXXX ). But so far, no loans have been separated. 

The federal DOE is violating borrower rights. This is both unfair and misleading borrowers and failing to act violates consumer protection laws. The DOE is in violation of federal law - The XXXX requires DOE to separate Joint Consolidation Loans. The DOE falsely advertised an announcement promising borrower protections tied to Joint Consolidation Loan separation that haven't materialized. 

I previously submitted a complaint to StudentAid.gov ( # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX, XXXX, and TransUnion for this inaccurate account that I found shockingly showing on my credit report. XXXX  could not verify the account with the third party collector to be valid so they removed the item. XXXX  and TransUnion responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX  could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but XXXX, and TransUnion claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
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 Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XXXX XXXX, 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act - XXXX XXXX XXXX XXXX XXXX XXXX county- 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 also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Mortgage

GuaranteedRate sold my loan to a different company before I even made the first payment to them. They have messaged me 3 different times to tell me I haven't paid enough to escrow and I'll need to pay more. When I closed on the house, which was also delayed on 3 occasions, I started receiving spam mail constantly from them about their home insurance. At first it started as a small envelope but after 5 days they started to disguise the envelopes as important paper work just like a scam company would do. I used GuaranteedRate through the company I work for and they seemed great at first but I think it's mostly a scam company with an XXXX of great customer service representatives.