23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Back in XXXX - XXXX I attended XXXX XXXX, got XXXX n never went back. Sallie Mae begin calling n mailing payment letters, ( filing a complaint due to the fact my information was forwarded to Navient without my consent or a signed " HIPPA '' ink document. it was address that I have became " XXXX '' in XXXX of XXXX. I was mailed out documents for my doctor to fill out regarding my medical conditions & to get approved for " THE STUDENT FORGIVENESS PROGRAM '' so the student loans would be taken off my credit report with XXXX XXXX XXXX immediately. The documents were faxed and mailed back three times, I was denied. Started receiving threatening phone calls from SALLIE MAE. Then, I tried to consolidate by paying low monthly payments n was " LIED '' to and denied again. The agree was based on my monthly income " XXXX '' that I pay {$65.00} a month, the bill statement would read and I quote : Pass Due amount is {$460.00}. XXXX, + {$380.00} + {$340.00}, on my credit report right now there four different payment amounts they supposely were expecting me to pay. When I addressed in the very beginning and I " QUOTE '' I no longer work, I am now on " XXXX '' and still is to this month/date/year. At one point SallieMae n Navient were taken off my credit report for two months, the following month it was back again. When I know that after 180 days my school debt was already paid and bought by an outsider insurance ; but I am still suppose to pay them approximately close to {$30000.00} in full to them ( SALLIEMAE/NAVIENT. ) I tried to solidate with both and was ignored, direspected, wasn't given proper advice, no good communication, was mislead plus all thee above. Now at this very moment, now I am getting text messafes, harassing phone calls and e-mails coming from Navien. I even tried to dipute both Sallie Mae and Navient with the Credit Bureau and no good news period. All of this is a violation under the " HIPPA ACT '' under the CFPR Act and the CONSTIRUTIONAL LAWS. I am very frustrated right about now. Nobody wants to send me proof of any signed documents with my ink signature on anything I've requested of them or from them. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX  to remove due to no knowledge of them ... 
XXXX XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX auto inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX
Product: Vehicle loan or lease

Reached out to company before repossession during first 6 months to let them know that the vehicle was a " lemon '', it had a constant oil shortage in which the dealership suggested I drive there weekly from another city to receive more oil. I called to let credit acceptance know that I didn't want the vehicle due to the issues less than 6 months having the vehicle. 
Before any issues all payments were on time even after having to pay out of pocket I started receiving recall papers in the mail regarding the vehicle however by that time the engine had already went out, I reached out again to the finance company regarding these issues and not being able to pay I reached out to the company again during covid because I was having financial difficulties as was the rest of the world, however they still wanted payments and refused my offer to return the vehicle once again Couldn't work during covid and couldn't pay to fix an engine that I had already received recall about
Product: Debt collection

I notice a new student loan was opened in my name i have not been to college in over in 10 yrs how come i have a bill for XXXX dollars thats on my credit i never applied for no student loan?
Product: Money transfer, virtual currency, or money service

XXXX concerning Zelle when I first began to use it before XXXX monies never recovered.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX
Product: Credit card

While SOME transactions will be processed, the majority of my online purchases are not going through due to an error received when using the card. When attempting to make an online purchase, I get an error message stating " XXXX XXXX check failed. Please contact Truist for assistance. We are sending you back to the merchant '', and the transaction does not complete. I have had this issue ever since I updated my number to that of a VOIP phone number to my account ( which I have since removed and added a regular number issued my XXXX XXXX ). Even with this update, I am still getting the " failed identity check '' error... 

What is supposed to happen is I am supposed to choose which number I would like to receive a OTP, in which I have to enter the code to complete the transaction. However the option does not even show ; instead I simply get the above error immediately and am unable to complete the transaction. Even when this happens, sometimes the decline or error doesn't even show up online or under the normal account details. I'm not certain of which system was checked, however I do recall the supervisor stating she checked a different system and could see the transactions that didn't process ; " I've never seen a decline like that ''. 

I do not appreciate the misinformation I have received from the numerous representatives I have spoken with, including a Supervisor who stated we needed to " Whitelist the card '' ... I used to work in banking and that is not a thing ; however she assured me it was. I do not want to whitelist certain merchants, which is what she was referring to, rather I want the whole underlying issue to be resolved, especially for the sake of the security of my card. I dont want to whitelist merchants, I want my card to function as it is supposed to, and be able to complete this identity check verification. 

I have been having this issue for months and have called in multiple times regarding this issue, as well as other issues with using my card for online purchases. This issue came to a head a week ago when doing my XXXX shopping online. Since then, I have called in and spoken to multiple banking representatives, including 2 supervisors, over the past week to try and get this issue resolved. Everyone tells me the card is fine and there are no blocks or holds, however that is simply not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$5300.00}
Product: Debt collection

In XXXX of 2020 a collection agency by the name of National Credit Adjusters aka NCA was inserted into my credit file without giving notice of the insertion or right to dispute. I initiated a dispute with the company with letter dated XX/XX/2020 which arrived at destination XX/XX/2020 and the account has not been marked as being in dispute via my XXXX, XXXX, or XXXX  credit file. My dispute reason is the validity of the amount they are attempting to collect with supporting documentation bearing my signature that I owe them {$520.00}. I must receive documentation bearing my signature verifying the debt or immediately remove this record from all credit files.
Product: Credit reporting or other personal consumer reports

[ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple unauthorized credit inquiries on my credit report due to identity theft. It has come to my attention that my personal information has been misused, resulting in inquiries that I did not authorize. 

The following inquiries are disputed and should be investigated : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are damaging my credit profile and are the result of fraudulent activity. Under the Fair Credit Reporting Act, I am entitled to dispute this information and demand an immediate investigation. 

I expect a prompt response confirming the removal of these unauthorized inquiries and detailing the results of your investigation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a formal complaint against American Express for illegally sharing my transaction history with XXXX on XX/XX/XXXX. Subsequently, XXXX shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, XXXX, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to American Express detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.
Product: Mortgage

In XXXX I submitted the following claim : I experienced an extremely poor customer service from Citizens Bank. First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for. 

The company responded to CFPB but has not resolved the issue. 

Citizens mortgage has again withdrawn money from my account without permission for unidentified amount of - {$2600.00}. 
I request the refund immediately. 

Let me also project what's going to happen over the next couple of days. I had set aside amount of money for my actual mortgage payment which is XXXX, but now ( because of the unauthorized withdrawal ) there is not enough money on my account. How will my XX/XX/XXXX mortgage payment be covered? 

Also, my questions were not answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 XXXXXXXX XXXX XXXX XXXX, GA XXXX ; AXXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX inaccuracies and intentionally reporting false balance, XXXX ( XXXX XXXX XXXX XXXX reporting to the CRA XXXX ( Consumer Reporting Agencies- XXXX, XXXX and TransUnion ) XXXX reporting amount balance of {$670.00} and the amount past due {$670.00}. 
Original creditor XXXX XXXXXXXX XXXX reported to the CRA 'S on credit report XX/XX/year>, that the amount balance of {$570.00} and amount past due {$150.00}. 
See attachments. 
XXXX XXXX XXXX also reporting XXXX accounts on my credit report. See attachment. 
Delete and remove these duplicate accounts immediately. 
XXXX XXXXXXXX XXXX # XXXX, TransUnion XXXX XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I did not authorize these any inquires to be pulled from my credit report and I want them removed. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Mailing Address : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND INNOVIS  IS UNLAWFULLY REPORTING XXXX XXXX/XXXX XXXX TRADELINE LOAN NO.XXXX, SOL EXPIRED ON XX/XX/XXXX, 1ST DELINQUECY XX/XX/XXXX.
Product: Debt collection

I called Midland back in XXXX  when I seen this on my credit report I told them I needed them to send me paper work showing this was my debt, they never sent me any paperwork. I then mailed them a letter in Late XX/XX/ XXXX  and still have not heard anything. Now this account is showing collections, but yet an open account which is not under FCRA Compliance this in inaccurate reporting!
Product: Prepaid card

I bought the gift card to be used the XXXX XXXX in XXXX to feed my students on a field trip on XX/XX/24 because the venue does not accept cash. My card kept declining. I called Visa Vanilla Gift to inquire and I was informed that they have security measures in place and they could send me a replacement card in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not my account its identity theft my identity was stolen
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

one account name XXXX XXXX XXXX started reporting on my equifax credit file, and i began disputing because does not belong to me, it is a fraud account opened with out my knowledge, i have disputed this inaccuracy with equifax many times but they have been ignoring my request and not been able to resolve this issue, which is very much stressful. 
please help me to have this inaccurate and fraud account removed from my equifax credit reporting agency, and since i had been a victim of ID theft therefore, i have a police report and FTC report filed, please fin attached thank you
Product: Credit card or prepaid card

I am writing today in wish to gain your help. Presently I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX  ) on XX/XX/2018 and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan sinceXX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXX and I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to obtain my free annual credit report from Experian through XXXX, but I was unable to access it. Despite entering my correct information, the system failed to provide my report. I also attempted to contact Experian directly, but their automated system did not allow me to speak to a representative or resolve the issue. 

As a result, I have no way of verifying or disputing false negative information that Experian is reporting about me. Affirm, a payment service I use through XXXX, informed me that Experian has labeled me with vague and damaging claims, including : " Serious Delinquency '' " Number of Accounts with Delinquency '' " Too Few Accounts Currently Paid as Agreed '' " Lack of XXXX XXXX XXXX XXXX XXXX Because of this, I was denied financing for an item priced in the {$400.00} range, even though the payments would be affordable for me. This rejection is directly affecting my ability to complete my computer build, which I need because my current system is failing. Access to my credit report is the only obstacle preventing me from moving forward, as I have adequate income for these payments while I work toward stable employment.

Experians refusal to provide my credit report and their vague, unverified negative reporting violate the Fair Credit Reporting Act ( FCRA ). Their lack of clear communication effectively blocks my ability to dispute incorrect information, prevents me from correcting any legitimate claims, and denies me access to necessary financial services. Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 or other personal consumer reports

I am submitting this follow-up to my previous dispute to request the removal of unauthorized inquiries and incorrect name and address details that are inaccurately listed on my credit report. I did not authorize the inquiries outlined below and am providing the details for your detailed investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not applied for any credit or services with the entities listed above. The presence of these unauthorized inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Product: Checking or savings account

They are auto enrolling members into a fee based checking account without permission. Then the account holder needs to call the credit union to opt back out or they will begin being charge.