23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. 
I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... 

To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019.
Product: Student loan

Ive tried to get them to lower my monthly payment, after doing the financial work up they determined that I do not make enough but still wanted me to pay an amount I cant afford and told me its a business so they will default me. 

Ive done repayment plans in the past and they randomly kicked me off and up payments XXXX more each time. 

They refuse to give any deferment or forebarence
Product: Vehicle loan or lease

I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017
Product: Checking or savings account

I recently discovered that my bank, Wells Fargo was involved in some charges against customers, such as myself. Ive been with Wells Fargo for over 10 years. I had incidents where I had to contact the bank a few times but now theres a huge lawsuit and I want to make sure that I wasnt charged for some thing Im not aware of since Ive been with them for years and can not go back on account history
Product: Credit card or prepaid card

This is a case that started in XX/XX/2019, was filed with the New York state attorney and FTC in 2019. This information was provided to the original plaintiff but this debt has been sold to a new Plaintiff Portfolio Recovery and they are wanting to us to pay this debt when its still under investigation. We received a letter from the New York state attorney that told us that this case was given to the FTC for investigation and that this type of case would take some time. I can provide the FTC case # is needed. 
This is a fraud case were Portfolio is asking for the sum of {$11000.00} I don't see how they have come up with this amount because this was fraud.
Product: Credit reporting or other personal consumer reports

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 Notice Pursuant to 15 USC 6802 Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect XXXX XXXX XXXX XXXX to adhere to the following requirements : XXXX. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties. 
XXXX. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, XXXX, and Equifax. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting Act. Synchrony Financial has violated my rights. Under 15USC1681 section602 states i have the right to privacy. 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on credit card account under an open installment plan as late.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX XXXX. For failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax XXXX ect. Consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15. U.S.C. s 1681i, which mandates a reasonable investigation of dispute. Furthermore Equifaxs actions may also contravene the Customer Financial Protection Act ( CFPA ) 12, U.S.C. ss5536 ( a ) ( 1 ) ( A-B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of investigation. Listed below these are the accounts Ive marked as inaccurate XXXX funding for {$1700.00} & {$150.00} along with XXXX XXXX {$1400.00}.
Product: Debt collection

This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX ; when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. Despite the requests for debt VALIDATION, this company continues to violate the consumer in numerous ways and XXXX accepts these fraudulent reports as accurate despite the multiple disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation advising I had some inquiries on my report that I did not recognize. I received a response from CFPB that the inquiries would be removed ASAP. However, XXXX still remains. XXXX XXXX and XXXX XXXX still remain as an inquiry on my Equifax report and this needs to be removed ASAP. I am resubmitted the documentation for your reference as I did not authorize these institutions to pull my credit report nor do I recognize these inquiries. Please remove ASAP as this is a clear violation of my rights.
Product: Checking or savings account

I opened an account with TowneBank in XXXX XXXX NC on XX/XX/XXXX, money market XXXX with the proceeds for the sale of my house, I made sure to tell Operations Manager XXXX XXXX that I was parking the money until I had my passport then I would be flying down to XXXX and buy a beach house. Im down here now and the bank is balking at sending the money to my XXXX bank I want {$240000.00} and they only want to send me {$10000.00} per month. Ive spoken with other expats here ; they have had no problems like I am having
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2012 I was a victim of extortion a girlfriend that used me extorted money from me I sent equifax the report from the XXXX police department why is it when fraud has been commited against me in any other situation i would get justice but Equifax verifys the bankruptcy from a third party. 

and not the courts i want the baankruptcy removed from my report
Product: Mortgage

I have been trying to work with Capital One/XXXX now for a long time. They are pulling every devious, hopefully criminal act they can. CFPB wonderfully got them to return {$8000.00}. However, what they did was apply it to a escrow account. There should not be an escrow account!! The attached paper show they finally closed the escrow account after me asking them to for years. So what do they do, they add this money to it, then close it. What incredible sneaks and names I will not print,. I pay my taxes every year. These XXXX think I have to pay by XXXX, but I am allowed to pay later. I just have to pay a little more money, which I do. To add to my troubles, they have subpoenaed by tenants for a hearing they scheduled in XXXX. This is after they broke into my house, claiming they thought it was vacant. They damaged the house, and now they are demanding my tenants appear in court! Outrageous. My tenants know nothing of this XXXX these XXXX are putting me through. Capital One and XXXX just want to embarrass me and most likely cost me the sale of my house. They continue to refuse my payments, and skyrocketing my debt, ruining my credit. CAN'T THEY BE STOPPED!!!!!! Please at least get them to apply the {$8000.00} to my payments and get them to let my tenants stay out of this mess, and lower my debt to where it should with them. THANK YOU!!!
Product: Credit card or prepaid card

On XXXX XXXX, I saw a fraudulent charge of {$360.00} to XXXX on my Chase checking account. I immediately called Chase and reported the fraud ( within 30 minutes of the charge appearing ) and Chase flagged the purchase, refunded my money and said they 'd investigate. On XXXX XXXX, I received an email from Chase stating that the charge was accurate -- I called Chase who said their investigators determined someone ordered a laptop online and appeared in person later ( after it was reported as fraud ) at a local area store to pick it up with an ID. I called XXXX who confirmed that someone did pick up a purchase under XXXX XXXX at the XXXX XXXX store with another person. They would not give me further details except to confirm that the email used in the purchase was not mine. I have since filed a police report with the XXXX XXXX Police Department regarding this incident of fraud and possible identity theft.
Product: Credit reporting or other personal consumer reports

This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Account XXXX XXXX  should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my XXXX  ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Product: Debt collection

I disputed the collection information on my credit report four times with the different bureaus. I also supplied the credit bureaus copies of the three police reports i have that presents the evidence of my identity theft case and supports that this account is not mines. Credit bureaus went ahead and removed the incorrect information on my credit. Enhanced recovery company on behalf of XXXX has reported this same information with the same balance of {$1000.00} again on my XXXX XXXX XXXXd XXXX  report. This fourth reporting was done on XX/XX/2022 and droped my credit score a total of XXXX points across the three reporting agencies. 

This is very unfair that I have been trying to clean up the mess of this identity theft situation and as i get stuff removed they are being readded and dropping my credit score. I am already suffering enough with my low score from all the damages. Please stop reporting this invalid information on my credit.
Product: Checking or savings account

For years I have been trying to close my account. I had XXXX dollars and I wanted to transfer the money out. They will not talk to me on phone because I dont have my old phone number. I am overseas. I ased if there is any other way to verify and they said no. Only my phone number from 10 years ago, They emptied my account of XXXX dollars and now say I owe them XXXX dollars from fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with bank of America and they are reporting to XXXX in accurate information account activity that is closed. which is still on the report and needs to be removed.
Product: Credit card

HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.
Product: Credit reporting or other personal consumer reports

with the XXXX credit bureaus on my credit report on inaccurate information. I have sent XXXX dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as XXXX, XXXX, XXXX, and other debt collections have not verified that I owe the debt. The XXXX bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/year>. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX ADDRESSES, PERSONAL INFORMATION SUCH AS EMPLOYMENT, AND INQUIRIES OF MY CREDIT REPORT WITHOUT MY PERMISSION THAT AFFECT MY CREDIT REPORT HAS NOT BEEN REMOVED.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timeless access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Transunion. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account Name : XXXX XXXXXXXX Account number : XXXX Late payment reported : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, Transworld Systems reported an unpaid debt from XXXX XXXX for {$71.00} to all XXXX credit bureaus. 

Despite writing and contacting this company asking proof of this debt, they have never provided such proof. 

XX/XX/XXXX, I spoke with XXXX XXXX and again ask for proof of the debt, as she did not want to provide me with the information, I asked to speak to a manager, but she kept me on hold for close to 20 minutes, only to hang up the phone on me. 

XX/XX/XXXX, I called and spoke to Manager, XXXX XXXX, who said that she would personally mail me proof of the debt. I gave her my mailing address and she re-assured me that she would send the information. 

As I did not hear from the company and because I was being denied a loan due this collection item, I decided to pay the bill, see attached. 

Although I paid the bill it is still being reported to all XXXX credit bureaus as a collection item. Upon contacting the company again, I was told that they do not remove collection items from any one 's credit report. 

I contacted the credit bureaus who informed me that this was incorrect and that the collection company simply needs to inform them that the collection item was paid in full and to delete it as a collection item. 

I have made several phone calls to this company and they have failed to assist me and this item still remains as a collection item on my credit bureau.