23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have four private student loans in total that were handled by XXXX and owned by XXXX. Two of the four loans have been given to Navient from XXXX. The XXXX Account Number for my loans is Account # XXXX. The Navient Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that XXXX owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from XXXX so I can have the binding documents that my loan is in fact still intact.
Product: Debt collection

On XX/XX/2018, I received a bill in the mail for the amount of {$680.00} from a MCM or XXXX XXXX XXXX. Upon further investigation after XXXX  the company, they have tried to commit fraud to many unsuspecting people. I called them and told them they had the burden of proof to show I owed the debt. I asked them where the debt originated from and they could n't provide those answers. They stated they are a attorney 's office and will go after me in court. I explained to them I would be reporting this to the Attorney General 's Office in my state and make an official police report. They transferred me several times until I spoke with an male who had an XXXX XXXX accent who identified himself as a manager. He stated the debt was done in error and they would release this from my credit report. I made a police report with the XXXX County, XXXX Sheriff 's Department and XXXX.
Product: Debt collection

I was contacted by Commercial Acceptance Co. about a bill they said I owe them, my response to them was to prove to me that I owed the debt in a validation letter I sent to them so I could validate the debt because I didn't give consent to a third party about my medical personnel information at any time, anyhow they tried to say that I owe them. 

I fell my legal rights were violtated under HIPPA laws under the Fair debt collection practices act FDCPA and health insurance problility and accountability Act under HIPAA laws, this information went start to the credit bureaus XXXX, XXXX, and XXXX impairing my credit score.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 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  has violated my rights. Or list of inquiries 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

XXXX is trying to collect on a fraudulently manufactured debt by XXXX. I got a call from XXXX and the representative who identified herself as XXXX said that if I did not pay them {$4500.00} right away that they would call my vendors and report me to credit bureaus and ruin my credit. The worker from XXXX said that they had an account number XXXX and that if I didn't pay {$4500.00} by wire today that I would then owe {$20000.00} and that they know I will pay because I am in XXXX XXXX  and my credit is priceless to me. I have no debts with XXXX and this is an extortion and collection scam.
Product: Debt collection

Acima leasing is charging me more money than they should which includes unregulated interests and full charges for 2 items I returned and showed proof of invoiced returned Acima is claiming they never received them and despite me sending proof and being on hold 20 mins later they hung up on me. 
XXXX returned item was a wooden storage bed from XXXX XXXX returned funds of {$84.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> to Acima. 
Acima customer service has mislead me in every phone call by providing different accounts information and different resolutions or no resolution.
Product: Credit reporting or other personal consumer reports

Why until now I have not received any response from the bureaus. How many times have I sent a letter to them. why is it still not solved? Please remove these accounts and inquiries from my credit report. This is the list of negative accounts I want deleted XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address an ongoing issue with rental screenings that has led to inaccurate rental scores, adversely impacting my ability to secure housing. I have faced repeated denials for rental applications, with repeated branding as a " risky renter '' due to these erroneous scores. 

The primary problem stems from third-party rental screening companies that use their own FICO Scores instead of the more relevant FICO Score XXXX, which is widely accepted by landlords in the evaluation process. This misrepresentation has unjustly impacted my perceived creditworthiness and has hindered my chances of obtaining suitable rental properties. 

Additionally, the situation has been exacerbated by tenant screening services such as XXXX and XXXX, both of which depend on their own flawed screening information. This reliance on inaccurate data further negatively impacts my rental applications. 

Furthermore, the combination of diminished rental scores reported by these screening companies, along with lower credit scores from XXXX, TransUnion, and XXXX as reported by XXXX and XXXX, has resulted in an overall decline in my credit standing. This situation has intensified the challenges I face in securing rental housing. 

I urge the CFPB to investigate this matter and take necessary actions to ensure more accurate rental screening practices are adopted, allowing fair access to housing for all renters. Thank you for your attention to this serious issue.
Product: Bank account or service

My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.
Product: Debt collection

As of XX/XX/XXXX I received mail again after advising to no contact.Cawley & Bergmann , LLC is trying to collect a debt that is owe to XXXX XXXX XXXX. XXXX has been advised and given proof of my identity theft affidavit I sent but yet still trying to collect through this debt collector. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations My next step will be under FDCPA 813 [ 15 USC 1692k ] Civil liability Your Options are as follows : Delete this account and cease and desist with all collection activities ; Settlement ; or We go to court and you incur lawyer fees, plus pay me Actual damages plus legal fees This account wasn't opened in XXXX XXXX XXXX XXXX XXXX acquired this account in XXXX. I was informed it was in XXXX when this Theft occurred and I wasn't aware their was a credit card in my name. Cawley & Bergmann LLC that the company they are collecting for can report this to reporting agencies if unpaid even if they can't sue! Well know you laws correctly Under the New Rule REGULATION F which took effect XX/XX/XXXX, If XXXX XXXX XXXX XXXX will violate my right under the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. So no neither you or XXXX XXXX XXXX, will no such thing until you have done an investigation to proof this debt! You don't have license to collect in this state and this account is past the law limits.
Product: Debt collection

I had contact with the collection agency Portfolio Recovery on today, XX/XX/19 regarding a letter indicating they purchased a debt that belongs to me. According to the letter and the comments made by their Operations Manager XXXX, the debt was purchased on or about XX/XX/19. I initially discussed a settlement offer with an agent and also inquired about credit reporting. I simply asked since the debt is not currently credit reported by Portfolio will my payment arrangement for the settlement offer prevent credit reporting. The agent was unable to answer my question so she put her manager, XXXX on thee phone. When XXXX came on, he appeared to be combative and argumentative. When I asked him the same question about credit reporting he stated their company has already sent notification to the credit bureaus upon the purchase of the debt. I asked how could this have been done when I have 30 days to dispute or acknowledge the debt prior to credit reporting and that today, XX/XX/19 was my first and only contact with them. He stated because I owe a debt that they purchase and they have a right to do so. I informed him if notification of the debt has been sent to the credit reporting agencies within the validation period, they have violated FDCPA and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX  and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple loans with inaccuracies, and need to hold the companies to the law. In this case its Harley Davidson Finance, the loan was paid off on XXXX XXXX and as of today XXXX XXXX its listed as late and open. along with multiple other discrepancies on dates and amounts owed.
Product: Credit card

I did a balance transfer with US Bank. I typed in the number of my card correctly and USBank sent the check to XXXX instead of XXXX. When I called USBank they said I would have to take care of this myself by getting in touch with XXXX. When I called XXXX they told me I would have to get in touch with USBank. I had to report fraud to both companies to get either of them to listen to what I was trying to say. 

USBank sent me a copay of the check and on the check was the credit card number the check was supposed to go to. The credit card number was clearly a XXXX credit card. USBank would not take responsibility at first until I called the fraud number. XXXX would not even listen to what I was trying to tell them, that they cashed a check for an account they did not even own, until I had to call their fraud department.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

I received a Notice from XXXX XXXX who Represents JHPDE Finance I , LLC in XX/XX/2020, so I sent a response dispute letter and a police report to show the debt wasnt mine! Asked to to Validate the debt, but the only sent some old statements that doesnt Validate anything! So sent out another letter and no response! Now today I received a letter from XXXX XXXX XXXX Who now Represents the same company JHPDE Finance I , LLC Requesting Payment for the same Debt I disputed back in XX/XX/2020 when they havent responded to the second letter for Validation of the debt.
Product: Prepaid card

I opened this account over 10 years ago but never funded it or created an online profile. I requested closure however continued to receive XXXX statements for over XXXX years. I'm appalled the account wasn't closed after all this time of no activity. Today I called to close the account and inquire why it was still opened. I verified all of my information however could not proceed because I didn't have the cvv of the debit card. Mind you the account is over XXXX years old and the card should be well expired unless the mailed a replacement to an address I no longer reside at. I was denied the ability to close the account and speak to a supervisor that could help me. When I called back to ask follow up questions I was no longer able to reach a customer service representative and potentially blocked as I called XXXX different contact numbers and unable to reach anyone.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am not filing this claim as a third person. I am a living woman whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and have had a negative effect on my life, extremely reducing the ability to obtain any credit in my name. 

ACCOUNT 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 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 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 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 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 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 I have asked the companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Bank account or service

yes at my pnc bank i got a over draft of XXXX??? they would not waive the overdraft fee because XXXX years ago i had another fee they waived???? im on XXXX and going thru a hardship???? they told me they could not helpme??? thought was very unfair thats all .also im a care giver too my mom whos XXXX XXXX too.im just going thru alot of XXXX and thought they have a heart??? guess they dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have concern that the credit score reported by all three credit bureaus has improperly decreased. 

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX and XXXX  rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from Equifax a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act CONTINENTAL FINANCE CO Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

The car was towed, finance company never came and picked up the car. The towing company got rid of the car. Instead of repossessing the vehicle, the finance company is holding an opening balance on something that should have been closed and charged off my credit. This is steady bringing down my credit.
Product: Student loan

I attended the XXXX XXXX which were found to be fraudulent schools by the federal government. When applying they claimed they were accredited universities that would provide degrees and it wasn't until several years into my program that we learned they were unaccredited. They were found to be fraudulent and loan forgiveness was provided for federal loans. I applied for private loan forgiveness through Navient as well given the nature of the school and the application was denied with no reasoning given. I made the application for forgiveness on XX/XX/year> and received the rejection notice XX/XX/year>. Further attempts to communicate with Navient and get more information have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are incorrect and are really hurting my livelihood and damaging my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been experiencing issues with logging into myEquifax. I called their number and I had to provide my information which I did and were correct. When I had to validate with the questions, they seemed proved in a very vague way and repeated questions which in my case having a a lengthy credit report does not help. I was not able to validate due to that and I was unable to get my credit report, use myEquifax or anything related to it. I am a victim of their data breach and I never received proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the inquires on this report because they were not authorized by me. The auto loan related to these inquiries was removed back in XXXX due to Fraudulent activity. These inquiries should no longer be on my report. No investigation was completed and no method of validation was provided as to why these inquiries were left on my report.