23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have received numerous predatory emails over the last two years from this company ( see attached ) and no offer to resolve my issue. I have received emails, which I have attached screenshots of, claiming my account was in collections, claiming my account will be charged after a certain date ( see attached ), but these are false claims, and the account continues to remain with the original creditor accumulating excessive interest charges. 

I have asked multiple times for a payment plan with a lower interest rate, and have gotten no offer of help in that regard. In addition to the false and predatory claims this company has sent me. 

I reside in New York, where these companies must comply with strict laws regarding lines of credit, predatory lending and predatory collection efforts. 

I have a lawyer lined up and ready to fight this company if I do not receive a satisfactory response and resolution to this complaint.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a {$200.00} Google XXXX gift card from XXXX. I received the code and was able to apply it to my Google XXXX balance with no issue. When I attempted to spend the money in my balance in an app, the purchase was declined and I was instructed to fill out a form for Google. The form asked me to provide receipt of purchase and the gift card code, which I provided. 

On XX/XX/XXXX, I received an email response from Google stating " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' The email was sent from an address that does not accept replies, I was given no way to contact them back or dispute the resolution, nor was I given details on what exactly was wrong with the information I provided. I immediately contacted support and opened a new case. I was told that a specialist would look into it and reply within 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted chat support. I was told the ticket was escalated and I would hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted phone support. I was told the ticket is already escalated and can not be escalated again, and that I'd hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had no response so contacted chat support again. Was again told that I'd hear from a specialist in 24-48 hours. 

On XX/XX/XXXX, I am filing this complaint as it has been nearly 1 month the company has continuously missed their commitments to respond to my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed.

Fraudulent Accounts to Block and Delete : XXXX. DEPTEDXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. DEPTEDXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiries to Block and Delete : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Mortgage

They hired an attorney years ago to foreclose on the property. At that point I had no access to the house. They stopped it for unknown reasons. I have tried to do a voluntary give back. I've tried to do a quick sale with no response. At one point I even did a loan modification with it resulting in them losing my paperwork. I work very hard to keep my credit good. I feel I have gone above and beyond to resolve this with no response from Ditech. I do not believe they are acting in good faith and are ruining my credit even though I have attempted to resolve this balance. I hope you can help me get them to moving forward. This is not the original mortgage company, it has changed hands a few times. Thank you in advance for your time. 

Ditech Financial loan # XXXX
Product: Debt collection

This has been an ongoing battle with Charter Communications for the last few years. I have had this dispute taken off my credit several times and it seems like the company keeps selling this and putting it back on my credit! I am going to involve an attorney now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX
Product: Student loan

Dear CFPB : I appreciate that an entity like yours exists to help protect citizens against large corporations and entities that oftentimes disregard the individual consumer. Navient is one such entity in my experience.

Like many in this dire predicament, my student loan has ballooned to unmanageable levels with burdensome increases that effectively drown my future financial wellbeing. 

It's been like this for years, and during that time I have spoken often to Navient ( previously named Sallie Mae ) about options. During these conversations through the years, I was pushed, pointed and steered toward Forbearance rather than Income Based Repayment more often than not.

Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment - also known as Income Driven Repayment or IDR - in stark contrast is to the consumer 's ( mine ), since IDR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me. This occurred for years and years.
Product: Debt collection

On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report.

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

I just received a letter from Wells Fargo about an application in my name for a deposit account. Today is Sunday so I can not contact Wells Fargo. I have never done business or dealt with Wells Fargo ever, except in XXXX when someone fraudulently tried to open an account in my name. Be aware I have never, and will never do business with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian credit report today XX/XX/XXXX XXXX though XXXX XXXX XXXX I've notice that ( Experian ) is the only credit reporting agency reporting an I accurate and inconsistent account under the Account name : XXXX XXXX XXXX XXXXXXXX . 

This account currently does not reports on XXXX  annual credit report or XXXX  annual credit report. It is my belief that Experian is continuously reporting this account to intentionally damage my credit profile & credit score a violation of FCRA rules section 1681. 

Account : XXXX XXXX XXXX  XXXX : Doesn't report last date of payment a violation of FCRA rules section 1681 : Doesn't report last date of activity, a violation of FCRA rules section 1681 : Experian continuously reports that account has been verified while still reporting multiple inaccuracies and violations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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: Debt collection

I have asked them to remove this account off of my crimes it. I still have an active account with them.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested an investigation into 7 accounts that are listed on my credit report ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX ) and on XX/XX/XXXX, TransUnion verified them as accurate ( see attachment ). On XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) and ( 7 ), I faxed a Method of Verification request letter ( see attachment ). I received a generic form letter response on XX/XX/XXXX, stating the procedure they follow ( see attachment ). There is no information pertaining to the accounts in question, nothing specific to me at all. On XX/XX/XXXX, I faxed TransUnion a 2nd Method of Verification request letter ( see attachment ). I received a letter containing the dispute results on XX/XX/XXXX, which states that the XXXX XXXX tradeline was deleted and all others were verified ( see attachment ). It is my belief that TransUnion did not contact the furnisher of information related to these accounts. It is also my belief that TransUnion has failed in their duty to maintain reasonable procedures that would assure complete accuracy of my credit report. I would like to note that matching account numbers and information that is recorded on a third-party database is NOT what is required or expected by law and if their method of verification was only to check a third-party database without verifying this information with the furnisher of information, then they have not done what is necessary.
Product: Vehicle loan or lease

The payments are not reported, Sent for accounting records Contacted the company no response.
Product: Student loan

My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional br
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive " opt-in '' process when I went to check if I was affected by the breach. 

I am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE NATURAL PERSON, CONSUMER AND CREDITOR. XXXX, EXPERIAN, AND XXXX BROKE THE LAW PURSUANT TO 15 UXC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES AND 3 CLOSED ACCOUNTS THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. I WOULD LIKE TO STATE THAT PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THAT THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO REPORT THESE IN ACCURACIES IT HAS CAUSE TO ME TO LOSE ALL CONFIDENCE IN THE BANKING SYSTEM. AS THE COMSUMER CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVASTATION TO MY GOD GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.
Product: Payday loan, title loan, or personal loan

I took a loan out with speedy loan for {$700.00} which totaled {$920.00} I made 3 payments of {$190.00} and a final payment of {$700.00} in XX/XX/2020. During COVID I was laid off so I could not pay on the loan. I called in and let them know.

At some point the account was sent to Ada Astra Collection-XXXXXXXX. In XXXX I was reported to all 3 credit bureau XX/XX/XXXX. I spoke directly to Speedy letting them know my account is paid in full and there's a {$410.00} balance, they told me those were fees. 

I contacted Ada Astra told them the remaining balance are fees, it was confirmed by Ada Astra representative my balance had been {$700.00}. I sent numerous emails requesting a courtesy due to COVID, there has not been a reply since my first email. I have emailed, called and there's no assistance they are asking {$410.00} in fees. 

XXXX  deleted the collection after my dispute, and proof of payment, as of today it was placed back on my credit file for the second time. I don't understand how a company can repeatedly place things on a consumers credit file after it was deleted. This company is taking advantage of consumers especially in this time of COVID when people are out of work and struggling. 

To continuously place inaccurate information on a consumer 's credit file after it has been deleted. This is an abuse of power, and damaging to many consumers. The loan was paid in full. I should not have to keep disputing for Ada Astra to stop placing this debt of {$410.00} in fees on all 3 credit bureaus. 

There has been no relief offered to me just the repeated hostile demand to make the {$410.00} fees payment. Due to COVID there was CARES ACT information that consumer accounts not to be charged with fees as the country close in a pandemic. This is unfair practices by Ada Astra and there  should be some help for consumers experiencing this duress by this company.
Product: Credit reporting or other personal consumer reports

Im writing you today to inform you that I'm disputingerroneousinformation on my credit file.In accordance with the Fair Credit Reporting act. The list of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. : 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. 


XXXX XXXX XXXX