23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Currently have three loans managed by Navient. I was set up on an income based repayment process for two of the loans. The third is a private loan they manage. I have set up auto repayment on the private loan and have been making payments each month on the other two. They are not consolidated ( as I was told I could not do that ). Income based repayment started in XX/XX/XXXX. Every month so far I have been charged some type of late fee up to {$50.00} per month. Calls and requests for explanations have gone unanswered. The website constantly tells me I am behind in payments as well. The dollar amount posted in the screen is the amount I would have to pay if I was just repaying the loan itself.

In addition, I received notice from the IRS that Navient had written off $ 7000+ and since I didn't declare it at the time I now owe them {$1900.00} more for the XX/XX/XXXX tax season. I have gone through all of my paperwork and found no documentation of this transaction. On their website, there is also no documentation. I have called and spoke with their customer service and once again I have gotten no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the 3rd attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all 3 agencies this account has been reported which are as follow : XXXX, XXXX, XXXX. All 3 must show accuracy from verified and validated the reported update accounts or deletion of account.
Product: Debt collection

I was trying to get a second loan to help me with my finances, since I recently retired. I got a loan approved but when the lender ordered a preliminary report it showed a lien from XXXX XXXX loans from 2006. A collection company call Real Time Solutions is telling me that they bought this loan and it is my loan! I have been telling them that I don't remember having a line of credit with XXXX ever. They sent me a deed of trust with a signature that doesn't look like my signature with no date next to the signature! Also, I just received a list of payments made to this account for about a year which I don't know who made them because I don't remember making any payments for any line of credit. 

Please help me get the problem resolved, I don't have any money to pay for an attorney to help me. 

Thank you so much for your assistance. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report reporting I owe them {$1800.00}, I have NEVER met with or NEVER SIGNED A CONTRACT with them I was NEVER notified of this either! I also see on my report it is also reporting it being opened, this is a collection that is violating my rights to ACCURATE information being reported to my account. 
Also In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 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 Number : # XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, MT XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I did not authorize the following inquires on my credit report, they do not belong to me. I disputed this with Transunion and have not heard back from them.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened a Google Wallet ( GW ) account and I connected it to a checking account. I received a {$1800.00} payment from a rental tenant and then GW shut down the account and trapped my money inside the account. GW 's reason for shutting down my account was that I violated the terms of the agreement. GW refused to share what actions violated the agreement and they also refused to give me a chance correct or clarify whatever terms I may have violated. GW stated they would refund the money to me in 30 days then and they stated 60 days so I have no confidence that their process is fair ; it is certainly not clear. Also, why does it take 30 or 60 days to refund my money after they close my account? Its my money, not theirs. If they insist on closing accounts unilaterally, they should not hold money that is not theirs.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds in my account at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. This issue appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions settle with insufficient funds due to timing discrepancies. I believe these practices are unfair and request a thorough investigation into my account transactions and the associated fees.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$98.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep receiving daily emails from Halstead Financial Services indicating that XXXX XXXX XXXX is the current creditor. I dispute b/c I dont owe either company nothing, which I dont have a contract with either & I dont know who/what this company is. Its to the point where I feel harassed. I also believe they have also been calling and leaving threatening messages, not only calling myself but has called my son & friend, which is ridiculous. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.
Product: Credit reporting or other personal consumer reports

There's several inquiries on my credit report that I do not recognize. I am not sure how someone got my information but I am trying to correct it. I contacted Transunion over the phone about the inquiries and they told me to go online and create an identity theft report. They said that once I send them a copy of the identity theft report that they would remove the inquiries from my credit report. I did everything they asked me to do but they still have not removed the inquiries. This is causing me so much stress while I am trying to get this issue resolved. I am pressed for time because I am trying to buy a home for me and my family but these inquiries are holding me back! 

Here 's a list of the inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> I am submitting this complaint to get help from the CFPB with getting this issue resolved since Transunion is not cooperating. XXXX has already removed these inquiries so im not sure why Transunion is giving me such a hard time. Please help! 

I've attached a copy of the identity theft report along with copies of my ID and social as proof of my identity and proof of my address. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my XXXX and experian credit reports that I have been trying to have deleted for a few years now.
Product: Mortgage

I applied for a home mortgage loan with navy federal credit union on XX/XX/22. My application was already preapproved prior to and all documents submitted including income verification. My loan was denied on XX/XX/22. My loan office has yet to call or communicate with me. After calling customer service 3 times I was advised they needed a letter from my employer which I provided. I was told my loan was denied due to income. Once I spoke with the first rep she stated my loan should be approved as everything is in order. And se submitted my employer letter. I was then told by someone else my XXXXXXXX XXXX was denied due to income but that was wrong as my income was excessively higher then what was needed for loan approval and she advised the underwriters made a mistake and my loan would be resubmitted. My loan officer has not contacted me in about 2 weeks and I was unaware of what was going on with my loan or application. On XX/XX/22 I was advised by logging into my account that my loan application was closed and I would need to reapply. The leander has exhibited multiple discriminatory practices primarily on the grounds of race and my understanding denial because of property location in a XXXX low income area.
Product: Mortgage

I contacted Guiid and was told they wont give me any information. On my credit report dated XX/XX/XXXX it shows Guild listed 2 times one loan opened XXXX ( per paper work the loan on the XXXX ) In XXXX. Says XX/XX/XXXX to XX/XX/XXXX loan amount XXXX. Next line on the credit report has Guild listed again Open day XX/XX/XXXX. to XX/XX/XXXX with the laon XXXX amount of XXXX. How do 2 loans with 2 amounts cross months clearing states open XX/XX/XXXX closed XX/XX/XXXX there is XXXX XXXX and XXXX that cross themselves and then the loan goes up Please explain. lsp om the XXXX Guild had the loan XXXX XXXX and XXXX of XXXX, on the XXXX its shows Mortgage insurance of XXXX, But XXXX had the Mortgage for 9 months and theirs say Mortgage insurance on the XXXX XXXX please explain and tell me what insurance co you gave this to.. Oh yes i have another copy saying loan closed XX/XX/XXXX and another saying closed XX/XX/XXXX These are the yearly Analysis. When the refinance was done how did my home loan get so high when the land is worth 10 years later maybe XXXXCause you have 2 loan amounts and i don't have paper work on a 2nd refinance with you in a 6 month time frame explain this
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax concerning their failure to respond to my dispute regarding inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. Despite my efforts, I did not receive any response from Equifax regarding the investigation results. 
As per the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
Enclosed with this letter, please find a copy of the dispute letter that I sent to Equifax for your reference.
Product: Credit reporting or other personal consumer reports

Demand Deletion I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the allege debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} ( Collection ) Accounts doesnt belong to me remove immediately if you cant show proof of the original contracts with my signature agreeing to accounts with the creditors also step by step explanation on how you guys were able to verify that the accounts belong to me if i never signed any contracts with the original creditors listed above XXXX removed the accounts listed above off of my credit report how the XXXX were you guys able to magically verify an account that I never open belongs to me
Product: Credit reporting

I did not authorized the company to check my credit Comenity Capital/HsnXXXX
Product: Credit card or prepaid card

The credit card promised the following : ( Apply for credit card on XX/XX/2023 ) Earn {$100.00} Cash Back after spending {$500.00} with the XXXX XXXX XXXX XXXX Credit Card, outside of the XXXX, within the first 90 days of account opening. Paid as a statement credit. 

Within 90 days i fulfilled the terms to receive the credit. ( by XX/XX/2023 ) I have NOT received the statement credit AND I have called numerous times to request the statement credit with no success ( XXXX, XXXX, XXXX, XXXX ). I have also filed a dispute with the credit card but have not reached resolution. 

I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was directed to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting on my Equifax credit report as 90 days late in XXXX and XX/XX/XXXX. My XXXX XXXX loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX  wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a XXXX XXXX representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXX returned my XX/XX/XXXX payment, I called XXXX XXXX immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from XXXX XXXX  web site, XXXX XXXX  response to my XXXX  complaint, my XXXX XXXX XXXX completed XXXX XXXX payments, XXXX XXXX hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an Equifax report of XXXX XXXX reporting. I am including all of this just in case XXXX XXXX tries to report me any other month late that is incorrect. If you look at XXXX XXXX response on the XXXX  complaint, XXXX XXXX assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX  XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX amountXXXX XXXX XXXXXXXX XXXX XXXX reversed these payments to credit karma they have provided me the transaction Id credit karma states they do not see any reversed transaction from cash app. Now cash app states that they have no further information to give me I have to take it up with credit karma and that are not trying to help me at all
Product: Debt collection

XXXX XXXX XXXX is using an intimidation tactic to collect a debt that is NOT mine. I do NOT have any signed contracts with them or their so called client Also, it's a violation for the FAIR DEBT COLLECTION PRACTICES ACT to try and collect a debt that has NOT been validated, they are NOT suppose to do that!