23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Navient to put my loans in forbearance because I 'm about to be unemployed at the end of the month ( XXXX XXXX actually ) in a move to XXXX XXXX for family AND financial reasons. I was reminded I have to pay XXXX dollars forbearance payment ( not a fee ) which defeats the purpose of forbearance ; I was transferred to XXXX " supervisors '' ( I 'm unsure if they were supervisors ) who insisted that this was policy which can not be changed. I was also informed I only have so much forbearance left on XXXX of my loans ( two months ), so I wondered if it was even worth it. Regardless, there 's nothing in place for a private loan company to exploit an unemployed person. Additionally, I learned, after getting disconnected on accident, right when I was about to put my loans in forbearance that it was too early to do so ; this should have been communicated to me early on in my phone call, not half an hour after my XXXX communication. I know there may be little that can be done, but private loans should not go unchecked when it comes to PAYMENTS ( not fees! ) for forbearance, whose point is to allow a respite for payments ( as interest is still being accrued ).
Product: Bank account or service

I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.
Product: Credit reporting

I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX XXXX. I disputed the validity of the information after contacting XXXX XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60 days.
Product: Debt collection

Hello this creditor called me and I replied back that this ok to pay it in installments and asked them if they can call me after a week once I get paid but they didn't and surprised that they added it to my credit report which ruined it because of their miss communication and didn't keep their word. 
Amount is {$310.00} and reporting date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone took out a XXXX  loan using my old married name from 10 years and my social security number. I did not take out a XXXX  loan. I am the victim of identity theft and nobody will help me. I don't even know how this loan was approved since I changed my name 10 years ago. This is not my loan and it is going to ruin my credit. XXXX will not do anything to help and will not provide any documentation. I have also contacted the XXXX XXXX XXXX XXXX who also has not done anything to help. I have attached a photo of my driver 's license showing that my last name is XXXX and not XXXX.
Product: Credit card or prepaid card

On XX/XX/2020 I have made two payments on my USAA credit cards. 
The two payments were completed on XX/XX/200 and the amounts were respectively : {$960.00} payment for one USAA credit card {$960.00} payment for the second USAA credit card. 

Both payments were processed by UNFCU card ( please refer to attachment ) on XX/XX/2020 The {$960.00} payment was received and processed by USAA on XX/XX/2020. 
The {$960.00} payment was NEVER processed by USAA. 

I called USAA o Saturday XX/XX/2020 and explain the above cited concern that I have made two credit card payments on XX/XX/2020 and only one payment has been processed and the second payment was not. 
The person at USAA stated that I need to wait up to 10 business days for my payment to be processed. 
Well, it seem to me that USAA is holding the funds for no reason. 

Why the first payment was processed and the second one was not? 
Please refer to attachments. 

Now the USAA credit card payment due date is approaching on XX/XX/2020 and if USAA does nor process the payment, then I must pay the credit card one again on XX/XX/2020. 

I would appreciate receiving your assistance in contacting USAA and request them to process the payment and stop holding the funds. 

Thank you. 

XXXX XXXX XXXX
Product: Credit card

I tried to submit the following content several times. 

Dear sir, Today, on XX/XX/2023, I received a replacement card for my illegally used card ending XXXX. Since I noticed the illegally usage of this credit card account, which ending XXXX, I determined to order another replacement card. At XXXX, I tried to replace through the bank website. And as the printout shows as evidence, I certainly called XXXX as the site told me to do it. However, it ended up activating the card, which numbers were used illegally and charged several hundred dollars. Therefore, I seriously beseech to send me legally and safely usable credit card from your company. 

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

ACIMA STATED THAT THEY WERE THE COMPANY THIS ALLEGED DEBT IS OWED TO. ACIMA STATED XXXX XXXX OWES THE ALLEGED DEBT. I XXXX XXXX am in fact a alive breathing natural being AND NOT A CORPORATION OF ANY KIND. 
CORRECTION ACIMA IS THE THIRD PARTY OF SAID DEBT. I XXXX XXXX DO NOT OWE ANY DEBT TO ACIMA. I DID NOT DO BUSINESS WITH ACIMA. 
ACIMA ALSO STATED I WAS NOT THE ORIGINAL CREDITOR OF MY OWN CREDIT. 
PURSUANT TO 15 USC 1692 ( 4 ) I AM IN FACT THE ORIGINAL CREDITOR OF THIS ALLEGED DEBT. ACIMA COULD NOT GIVE ME THE FUNDS TO MAKE TRANSACTATION ( MY SOCIAL SECURITY NUMNER DID AKA CREDIT CARD ) WHICH ALSO BRINGS ME TO 15 USC 1691 ( D ) THE TERM CREDIT MEANS THE RIGHT GRANTED BY A CREDITOR TO A DEBTOR TO defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
THE TERM DEBT COLLECTOR means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. 
SO ACIMA IS INFACT A DEBT COLLECTOR AND ACIMA IS IN FACT IN VIOLATION OF THE FDCPA. 
Pursuant to 15 usc 1681 ( q ) ACIMA did not have a permissible purpose due to the fact that they never received written consent to report on my CONSUMER report. 
A SIGNED CONSUMER CONTRACT IS NOT SUFFECIENT EVIDENCE OF A DEBT. IT ONLY MEANS A TRANACTION TOOK PLACE. SEE ( XXXX XXXX XXXX XXXX )
Product: Debt collection

I saw a collections account posted to my credit report. I called the 3rd party debt collector for information. They shared a police report was required. I have not had much success at all with the property management group assisting in resolving the issues. 

The amount and account is as follows : XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Balance : {$9600.00} Current Principal : {$9600.00} Interest Due : {$100.00} Total Due : {$9700.00} ORIGINAL CREDITOR : XXXX XXXX - XXXX XXXX  PLACED FOR COLLECTIONS ON : XX/XX/23 The person on the ID is absolutely not me, nor have I or will I ever live at the listed address. I have been in my current residence for 3 + years and prior to that, I lived in a condo I owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my FCRA rights. I have submitted several disputes on some fraudulent accounts on my credit file, and they keep on not doing their jobs properly. I requested for XXXX to delete these fraudulent accounts XXXX XXXX  ( CLOSED ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX And I was told that these accounts are verified as accurate. I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to XXXX already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with these companies. I would a fair, and proper investigation done and these accounts deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX via certified mail 2. XXXX XXXX via certified mail Please see the attached files I have disputed this information directly with the creditor to disputed some inaccurate items being furnished on my consumer report ( TransUnion and XXXX. I have allowed the furnisher 30 days to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit, and I noticed fraudulent inquires on multiple consumer report. I did not give consent to the companies listed below to obtain my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I currently pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.
Product: Credit card

Opened account in XXXX. Have been unable to see what balance is nor received statement. 
I have contacted bestbuy citi 5 times and still no resolution. 
XXXX 1st contact informed them I was locked out, was told had to do something with my phone number. Phone number updated was told it should be fixed. 
XX/XX/XXXX called back informed them it wasnt fixed. Was told to give it 24 hrs. 
XX/XX/XXXX called back informed them still not receiving password or link via email. Was told the phone number wasnt updated but now it was give it 24hrs to update. 
XX/XX/XXXX still unable to access account called back. Representative stated their system was down and would have to call back. Informed him I would not be able to call back requested to delete account so I can reregistser once again. Representative stated would have to call bk to do so. Asked rep to submit me on autopay to not miss payment. Im guessing he did so because I never received confirmation of autopay. 
XX/XX/XXXX call for 15 min asked me to verify info to tell me system was down and I would have to call back. 
Issue is the same. Not receiving statement nor unable to access account online
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is still reporting a bankruptcy on my credit reports, and I never gave them written permission to have access to any of my consumer reports. I have sent them request to send me proof that I gave them written permission and to this date. I have not received any response from them. And in XXXX, i received response from them where i opt out online - but yet the Bankruptcy is still reporting to my consumer reports. See below on what federal require lexisnexis needs my written instructions to access or put anything on my consumer reports. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX ( my credit card company ) and ask them if they could add my account information to Equifax Credit Bureau Agency so i can have a longer credit history on my Equifax credit report. XXXX XXXX reply 's that I need to contact that credit bureau and have them add it on to my report. And I called XXXX XXXX and Equifax least 3 times Each and almost 3 hours later, both parties claim that there's nothing more on their end they can do. 
My question to XXXX is what can i do on my part to get my XXXX XXXX credit card info on to my Equifax credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are XXXX  and Experian. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.
Product: Debt collection

In the last 30 days I have asked representatives from the CBE Group , Inc., headquartered in XXXX XXXX, XXXX  to stop calling me at my work. They have called me multiple times from a XXXX XXXX, XXXX, area code. I was contacted on my work number on XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. Each time I have instructed the caller to stop calling my work as it is a violation of the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to PORTFOLIO RECOV ASSOC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2018. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I spoke with the creditor Receivables Management about paying a debt in order to clear the information from my credit report. I spoke with a representative and the explained that once the debt is paid they can remove it but it would take 30 to 60 days. I paid {$470.00} to the debtor. 
" I recently followed up with the debtor on XX/XX/XXXX to inform them that the debt was still reflected on my report as settled but it was not removed. They explained to me that the account was settled and they are not required to remove it. I informed them that I spoke about the debt being removed when I made the payment and the representative said they could remove the debt after it was paid. However, I am now being told something different. And they redirected me to file a complaint with the credit bureaus, but I don't see how this is the case when they were the ones who informed me they would remove it.
Product: Mortgage

I make additional Principal Payment every month. My mortgage balance is now below 78 % of the original appraised value which was {$160000.00}. I was told over the phone that PMI must continue until 15 years of the 30 year loan. I tried to explain that I have paid additional money towards Principal, etc. The person I was speaking to was adamant. So I mailed Guild Mortgage a letter dated XX/XX/XXXX ( see attachment ). I also attach Guild Mortgage dated XXXX XXXX XXXX saying I would have to pay {$190.00} to them for an additional Broker 's Price Opinion ( BPO ). I also attach Guild Mortgage " Annual Private Mortgage Insurance Disclosure dated XXXX XXXX XXXX wherein under Automatic Termination of PMI " to reach 78 % of the Original Value '', which it was as of XX/XX/XXXX payment being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  are reporting inaccurate information on my credit report. 

They have RE-AGED the date of last activity on my account, and in the FCRA lawbook under section 605 ( C ) running of the period it is a violation to re-age the date of last activity and it is a VIOLATION that I can sue them for up to {$1000.00} in fines. This week i am looking to take my credit reports to an FCRA attorney to start the process of seeking damages for EACH violation.
Product: Debt collection

I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I disputed a few items with Experian. Experian sent a message back the next day that the information was verified. Experian has disabled me from disputing anything that remains from XX/XX/2022 dispute. I received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX, XXXX XXXX, & XXXX XXXX. It saddened me to learn that Experian somehow verified the disputed item, electing to leave it on my report. I was also notified that they will not reinvestigate but yet they have not provide any information or results to their investigation. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXX  ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts : Account Name : XXXX  XXXX Account Number : XXXX The total fraudulent charges : {$380.00} Account Name : XXXX XXXX Account Number : XXXX The total fraudulent charges : {$1000.00} Account Name : XXXX Account Number : XXXX The total fraudulent charges : {$930.00} Account Name : XXXX  Account number : XXXX The total fraudulent charges : {$1900.00} Account Name : XXXX XXXX  Account number : XXXX The total fraudulent charges : {$1100.00} Account Name : XXXX XXXX  Account number : XXXX The total fraudulent charges : {$890.00} Account Name : XXXX XXXX Account number : XXXX The total fraudulent charges : {$680.00} Account Name : XXXX XXXX  Account number : XXXX The total fraudulent charges : {$300.00}
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.

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

15 U.S.C 1681 section 604 section 2 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.