23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried no less than four times to enroll in auto-payment but it isn't working. I keep getting late payment notices and then need to log in and make a manual payment. At one point I was given the excuse that I need to wait a billing period for the changes to stick, and it still didn't work. This is causing an enormous amount of stress. To that end, I have reached out to the company in writing and received no response. Further, my complaint wasn't visible in my sent messages inbox, as if they kept no record of it. Thankfully I have screenshots of my most recent attempt to sign up for auto-payment as well as my attempted written communication to the company. I need to get signed up for auto-payment, and I believe this predatory behavior needs to be addressed on a broad scale because it is probably affecting many more people than me. In fact, I know it is because I've read identical reviews from other people online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX OF XXXX, XXXX, and MILITARY STAR are accounts opened by someone who stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER EXPERIAN, XXXX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Re-Investigation of Disputed Items on Credit Report Dear XXXX, I am writing to express my concerns regarding certain items on my credit report that I believe to be inaccurate. Despite the conclusion of your initial investigation, I still dispute the authenticity and accuracy of these items. 

Disputed Items : 1. CREDIT CENTRAL As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI. Specifically, Section 611, Subsections A-D of the FCRA provides consumers the right to challenge inaccurate or incomplete information on their credit report and request a reinvestigation.

In line with these provisions, I respectfully request that you re-investigate the aforementioned items promptly. Moreover, I would appreciate it if you could provide me with the names and business addresses of all individuals or entities with whom you have verified the above items, as this will aid in my own follow-up procedures. 

Upon completion of your re-investigation, please send me an updated copy of my credit report that reflects any amendments or changes made. 

Your swift attention to this matter is not only anticipated but greatly appreciated. I trust that you will handle this request with the urgency and professionalism it warrants. 

Thank you in advance for your cooperation. 

Warm regards,
Product: Debt collection

Williams and Fudge out of XXXX XXXX, SC keeps calling me about a student loan that I have never had. Yes I went to college, but I paid for all my classes with cash, no loans.
Product: Mortgage

I have had a long running dispute with SunTrust on a modification I entered into in XX/XX/XXXX. 

SunTrust has sought to foreclose and I have vigorously objected to the action. 

I have been blocked from the mortgage payment website for over a year. 

I received a letter from Suntrust in early XX/XX/XXXX ( to be attached ). 

I called SunTrust to find a workout as outlined in the letter but was informed that they can't talk to me. I want to save my home and SunTrust isn't helping me workout a settlement.

I believe SunTrust isn't sincere or truthful about the workout scenario by their own letter and that they haven't called back or replied in 2 weeks.
Product: Debt collection

fraudulent account on my credit report/ pls remove incorrect information on account
Product: Credit reporting or other personal consumer reports

Inquiries are reporting on my consumer report that I DID NOT Authorize per 15 USC 1681 allowing 3rd party companies to access my private and personal information is an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX never gave the credit bureaus any verbal or written consent to report the following items on my consumer report. Reporting information without the written instructions of the consumer to whom it relates is Identity Theft.You also do not have any permissible purpose to furnish my personal information to any third party. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} FNCC XXXX Balance Owed : {$1700.00} - XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these Account
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

There is no legally admissible evidence to verify the accuracy of what Jefferson Capital LLC : Opened : XX/XX/year> is reporting {$11000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Jefferson Capital LLC, in direct violation of the FCRA. I have discovered that Jefferson Capital LLC fraudulent account. I need proof of a wet signature of an application w/ Jefferson Capital LLC and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this is not removed. My consumer rights are being violated. Jefferson Capital LLC accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'M TRYING IT'S RUBBING WITH IN BETWEEN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IS TAKEN OUT OF MY ACCOUNT THEY DEBITED AS THOUGH I SENT IT TO SOMEBODY AT THE TIME THAT THEY WERE DOING THAT I DIDN'T KNOW THAT BECAUSE I COULDN'T GAIN ACCESS TO MY ACCOUNT I HAD TO CHANGE MY PASSWORD AND ALL THAT STUFF ALL OVER AGAIN OKAY TIME IS KNOWN THAT I'M XXXX XXXX XXXX XXXX XXXX AMONGST THE OTHERS AND I WAS JUST TOLD TODAY THE REASON THAT THEY DENIED IT IS BECAUSE I AM NOT CONSIDERED A VICTIM OF IDENTITY THEFT BECAUSE IT WAS MY FAULT THAT THAT MONEY WAS TAKEN OUT OF THERE NO YOU WERE NOTIFIED WITH MY POLICE REPORT YOU'RE NOTIFIED WITH MY NOTIFYING YOU ALL THAT I BECAME A VICTIM INVITED THAT ONCE I RAN THAT SCAN LIKE THEY TOLD ME TO WITH XXXX XXXX THEY SAID CREDIT MONITOR IMMEDIATELY I DID THAT WHEN I RAN THE SKIN I WAS ALL OVER THE DARK WEB MY NAME IS IN XXXX MY PERSONAL INFORMATION IS IN XXXX AND I'M LIKE I LET THESE PEOPLE KNOW THAT AND I LET THEM KNOW AGAIN WHEN I NOTICED THIS MONEY WAS GONE AND I LET THEM KNOW AGAIN THAT I WAS NOT ABLE TO GET ACCESS TO MY ACCOUNT NOT ONLY THAT BUT I HAVE PROOF FROM XXXX THAT SOMEONE HAD HACKED MY ACCOUNT I HAVE PROOF THAT THEY WERE IN MY ACCOUNT I HAVE PICTURES SO IT'S LIKE THESE PEOPLE ARE AT BACKWARDS AND XXXX I ORDERED A REPLACEMENT CARD IT'S SUPPOSED TO BE XX/XX/XXXX HERE WE ARE IN XXXX OF XXXX AND THIS IS XX/XX/XXXX I STILL TODAY HAVE NOT RECEIVED MY CARD AND THEY KNOW ABOUT THAT AS WELL AND THIS IS A SUPERVISOR BY THE NAME OF XXXX WHO TOLD ME THIS I DON'T EVEN KNOW THIS PERSON WHO TOOK THIS XXXX FROM ME OKAY WE'RE ON A FIXED INCOME OKAY THAT MONEY WAS SENT TO ME BY MY BEST FRIEND AND LIKE I SAID THAT WAS A PAY A BILL SO LIKE THIS IS NOT OKAY THESE PEOPLE GET AWAY WITH XXXX  WAS THE LIES CUZ THEY'RE UNTRAINED AND THEY DON'T KNOW XXXX ABOUT IDENTITY THEFT AND FRAUD OR ANYTHING OR BREACHES OR ANYTHING ELSE AND THEY'RE A XXXX SO THEY'RE 10 TIMES MORE LIKELY THAN TRADITIONAL BANK TO BE HACKED SO YEAH I WANT MY MONEY BACK AND I FELT ANY EXTREMELY MUCH MORE TRAINING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to access my online account ; I can only access my credit info on Transunion through XXXX if I pay for the three credit reports every month or XXXX XXXX, but I can't dispute anything on my credit report unless it's through a 3rd party credit repair agency. Still, I don't want to pay someone for something I can do myself, so I stopped paying it. I cant create a complaint online when I can't access that. I called about a year ago, and the agent couldn't verify my identity, so they would not unlock my account. I have recently started along again, and the automated service hangs up on me, and I can not get a live person with TransUnion.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$570.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$310.00}
Product: Mortgage

Our mortgage was with  XXXX  they started legal action against us and we were making or mortgage payments. This started in  XXXX . I entered into an agreement with  XXXX   XXXX   XXXX . I was worried about going into foreclosure so I made an agreement of a {$3500.00} down payment and pa id 3X  {$1400.00} for each month for 3 months. We never received the final documents that were promised to us by  XXXX .   Still very worried I was referred to Attorney  XXXX   XXXX   XXXX , he charged me a professional fee of {$5000.00}. when I first went to his office. I had to give him {$2500.00}.   {$750.00}  XXXX   XXXX ,  XXXX , {$750.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX  this was for basic services plus {$500.00}  XXXX / XXXX / XXXX  to his secretary.     I later found that he had not submitted any documents to  XXXX  on my behalf.   Then I was transferred to  SLS Loan  servicing and it has been one problem after the other. And now a foreclosure sale for  XXXX   XXXX ,  XXXX . SLS does not want to help me in any way.
Product: Credit reporting or other personal consumer reports

Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, XXXX XXXX Equifax ), because when I first reported these inaccurate accounts to them, the XXXX ( XXXX ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, Equifax has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item?

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting.

Thank you.
Product: Mortgage

Pacific Union Financial LLC Borrower : XXXX XXXX XXXX Secured Property : XXXX XXXX XXXX XXXX PA XXXX Loan # : XXXX I suffered a no fault job loss in XX/XX/XXXX. I immediately notified my lender of my situation. I filed a previous complaint due to the difficulty I had in communicating with my lender to receive a special Forebearance Agreement as requested. Once the CFPB notified Pacific Union of my complaint, I was granted the Forebearance Agreement. This agreement was for XXXX months ( XX/XX/XXXX through XX/XX/XXXX ). 
I applied for a loss mitigation and submitted a complete package onXX/XX/XXXX reflecting my then recent and new re-employed status. I am 100 % sure my application was submitted complete, because I used the exact same format that they had marked as complete in XX/XX/XXXX when they required me to submit the loss mitigation application in order to get the Forebearance Agreement ( even though it made no sense at that time because I had no income to be approved for a mod back in XX/XX/XXXX ). 
On XX/XX/XXXX Pacific Union paper mailed me correspondence that did not reach my property address until XX/XX/XXXX requesting documents that had already been submitted. The letter said I had until today, XX/XX/XXXX to submit the complete loss mitigation application. I resubmitted as requested on XX/XX/XXXX, ( 2  days after receiving this letter ) I have had no update on my loss mitigation application ( approval, denial, or confirmation of the application being complete - even though it was submitted complete initially on XX/XX/XXXX.
On XX/XX/XXXX Pacific Union Financial filed an Action for Foreclosure against me for the property at XXXX XXXX XXXX XXXX PA XXXX, Is this not in fact  Restricted Dual - Tracking? 

Please advise. 
XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.
Product: Student loan

I have a student loan with Navient with automatic debit. A few months ago I opened a new checking account and updated the information on their website. My profile states that my auto pay account is the new account provided ; however, the previous XXXX months Navient withdrew the funds from the old account resulting in two {$35.00} overdraft charges on the old account. After a phone call with customer service, I discovered that I needed to go to their " old '' site to make the changes. None of this was noted in the website I was directed to and seeing how my profile listed my new bank account number as my auto pay account I assumed that this was the account that was going to be debited. Navient needs to properly update their online system to reflect how this change needs to occur and reimburse me the fees charged. The school I attended was XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the documents below are not suppose to be visible on my consumer report. I never gave permission for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is considered aggravated identity theft.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX treadmill from XXXX XXXX. The charges included delivery and assembly. I financed the transaction with TD Bank, XXXX XXXX XXXX. 

The assemblers destroyed the treadmill. It is non-working with broken pieces and loose pieces, which I found in various areas of the room after the assemblers left. I reported the issue to XXXX XXXX returns department. They said they would have it picked up but I have heard nothing since. When I call back to check the status of pick up, they can't give me an ETA and tell me to keep waiting. The average hold time to reach the merchant is 2 hours, so it is very difficult to call everyday. I have however spoken to them 4 times in XXXX. 

In the meantime, I received a statement from TD Bank, XXXX XXXX XXXX with a payment due. I tried to make a dispute for these charges since the merchandise is broken, damaged and non-working. The phone number to make a dispute refers me to a website. The website does not have an option to dispute. I called customer service for this credit account, who advised me that I must make payments. 

The merchandise is damaged. The merchant will not pick it up. The merchant will not communicate on a pick up date and TD Bank/ XXXX XXXX XXXX says I must make payments on this non-working, damaged item.
Product: Money transfer, virtual currency, or money service

Homeowner posted his house for rent on XXXX. He gave a very convincing report about himself, his family, and circumstances for not going through a property management company. He told me I couldnt have a look inside the house because current tenants didnt want to be bothered but I could explore the outside of the home. I went around the neighborhood and multiple neighbors confirmed his identity as the owner. We went back and forth for a week by email and I asked him to video chat to confirm his identity but due to family circumstances, he could only call me to provide me information on the rental. He said his lawyer would meet me with the key once I had paid security deposit but could hold off on first months rent until prior to XXXX. We signed a lease and I paid security deposit to his accountant XXXX XXXX via XXXX. He asked me for first months rent a month prior to the lease date stating his later insisted I pay prior to move in based on the contract. I explained to him about our agreement over the phone and he agreed to hold off on first months rent until prior to move in. At the end of XXXX, I tried sending money to his accountant but it errored so I reached out. He said there was an issue with the account and to send the money to his secretary XXXX XXXX, so I did. He gave me a phone number to reach him. I called in the evening but it didnt have a voicemail so it kept ringing. On my last payment date, he asked me to send an extra {$1000.00} for small repairs on the house and I declined stating that he could use the security deposit I paid last month. I never heard from him after that despite multiple attempts to call and email. I called the initial number he called me from and the number he gave me. The number he provided goes to a design company that doesnt have anyone by XXXX XXXX working there. The initial number rings until it goes to voicemail with no identifier. 

Fraudulent rental : Security deposit sent ( {$2500.00} ) via XXXX through Citizens Bank app : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} First months rent : XX/XX/XXXX- {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} On XX/XX/22, I called my bank and they told me they couldnt do anything because the payments had already processed. They were not able to give me any other information about the recipient except names despite telling them it was fraudulent and I was going to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was victim of incorrect overdraft fees on debit cards & Atm withdrawals As well as having money they was frozen for years
Product: Debt collection

My ex-boy friend purchased furniture at XXXX 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at Midland Credit Management on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.