23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I owe approximately {$160000.00} in student loans, both public and private. {$100000.00} of which I owe to SallieMae. They place my monthly payments at {$1300.00}. I have recently started a new full time position at a South Carolina state university. I make {$36000.00} annual. However, due to high income tax and mandatory healthcare ( I have the absolute minimum coverage that meets the Affordable Care Act ), I take home {$1000.00} twice a month. That means that just my SallieMae payments are more than half of income and if I made just my SallieMae payments ( not including my federal loans which are on an IBRP of {$69.00} per month ) I would have {$760.00} left to cover all living expenses. I have a 9 year old car, I have the minimum allowed car insurance, minimum cell phone plan, and currently do n't pay rent because I am living on a friend 's couch because I had to go 6 weeks without a paycheck after moving XXXX miles for this new job. SallieMae will only offer a forbearance at a fee of {$150.00} ( I have XXXX loans total ), which I can not pay. I will not in the foreseeable future ever be able to make these payments, but SallieMae does not offer to make an adjustment at all ( though I have read on blogs that if you run out of forbearance and still can not make payments, call the right number and speak to the right person this mythical experience could happen ). Some of my loans have a cosigner. My cosigner also can not make these payments as they care for XXXX-XXXX elderly family members who live in the home. I previously filed a complaint because after I paid for my forebearance " good faith fee, '' I continued to get collections calls for two weeks. The issue was resolved by an escalation team member who finally listened to me when I said that they had not connected my XXXX and XXXX loans, so I was still receiving calls about my XXXX loans, though all of them should have been placed in forebearance. 

I am simply seeking a solution that does not require me to file bankruptcy and destroy my credit. I am hard working ( I am currently seeking freelance work to boost my income just to cover my daily living expenses like food, rent, and gas ), responsible, and profession, but I am being treated like I am a criminal and delinquent. I was duped by SallieMae when our relationship started and it made it appear that repayment would be based on how much money I made after graduating ( at that time, I am unsure if they are still, SallieMae loans were marketing alongside federal loans that are possible to go on an IBRP ). I would love to make my payments and avoid all of this, but the American economy did not provide the incredible job opportunities that we were told we would have going into college. I just need a manageable way to repay my debt, and I wanted to see if there was a way before contacting an attorney.
Product: Checking or savings account

Citibank, sent me a Fyer that asking a certain amount to deposit on a Checking and Savings Account within 60 Days and after wait for 90 Days to get its Promo. Reward of {$700.00}. Therefore, i went to Citibank XXXX in XXXX XXXX, bring my Flyer and have interviewed and took my Driver 's License by the Bank XXXX named XXXX, she check in her Computer or System my eligibility if i can get the Promo.or not from Flyer and said am ELIGIBLE, i hand in her a Check for my initial down payment last XXXX XXXX till i completed the required Term before 60 Days and waited again for 90 Days to complete all the Term and Conditions. Actually, i completed all the Terms & Conditions last XXXX and from that date up to this date, Managers, Supervisors and XXXX whom i talked to claim my Reward of {$700.00} rejected me and ignored my claim, showing me an OLD POLICY that am not eligible for the Reward. Such OLD POLICY never shown to me by the Bank XXXX when i went to the Branch to apply for such Promo.Flyer but it accepted my Check for opening Savings/Checking. This undeniable FRAUD and SCAM by Citibank trying to manipulate Customers to transfer Money to them with a promised Reward that will never be rewarded.
Product: Student loan

Not get the 0.25 % reduction in interest from enrolling in Autopay.

Autopay is not working and I continually get Past Due payments posted to my account. I have created the application to the point of receiving confirmation several times. 

Online I am able to see that this is happening to many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/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
Product: Debt collection

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX  and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have contacted XXXX, Equifax and XXXX I have also sent in the proper documents they have yet to contact me or fix anything this is impacting my credit score and keeping me from getting things done. 

I recently did an investigation on my credit report and found several items on there to be in accurate. Recently, I did an investigation on my credit report and found several items there to be inaccurate. 

Under the 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection placed on my credit XX/XX/2019 for a account i have never had or heard of for XXXX cable. They FRAUD collection company that placed it on my credit reports is claiming its from XX/XX/2019. I havent used comcast in 10 years and dont owe a debt. This is not my account at all
Product: Debt collection

I was out of the state due to my work schedule and recently discovered a lawsuit against me regarding a long-ago credit card debt that i believed I had already settled. Unfortunately, because I was away, I wasn't able to check my mailbox regularly, It's only now that I've found a letter dated XX/XX/XXXXXXXX  from Portfolio Recovery Associates, attempting to collect on this debt, which I don't even remember having it dated back to XXXX. I was surprised to learn that this collector has proceeded to sue me without me ever having received their initial correspondence. I feel that I was being sued unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE, THE PREVIOUS REPORT FILED WAS INCOMPLETE. 
PayPal Credit is reporting to the credit bureaus 6 months of late payments and each of these months the payment amount has been withdrawn from my checking accounts. Due to a medical emergency, I was placed on a hardship program lowering my monthly payment to {$36.00} a month. Each month I have received emails from PayPal claiming my payments have been rejected. I have spoken with several representatives who all say they can not explain why the payments had been returned or how I can fix this issue. 
I have paid my bill each month, successfully and accumulated {$290.00} in returned check fees and {$180.00} in late fees. I am including bank statements showing the payments deducted from my accounts, PayPal statements showing the hardship program and additional information relevant to this situation. In XXXX I spoke with a representative who confirmed the late payments are incorrect and was expediting my case to have a letter sent to the credit agencies. I have requested PayPal send me all transaction statements from XXXX, XXXX and XXXX, but they have not complied. As of one hour ago, I received an email from PayPal notifying me that a payment I made early this month was been returned. and I am being charged an additional {$27.00}.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. code 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- Please remove the following items from my report, immediately. 

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: Credit reporting or other personal consumer reports

Over recently checked my credit report and noticed some inaccurate accounts reporting. 

See attached
Product: Checking or savings account

Update XXXX : they sent me a check but then put a stop on it so it bounced when I cashed it! 

Reopening previous complaint, as XXXX is defrauding me and has stolen my money. 

Previous complaint : XXXX I contacted Key Bank on XXXX, 2019, to close my checking and savings account. I had ~ {$2900.00} in my checking account, and ~ {$81.00} in my savings account. Keybank sent a check for the {$81.00} in my savings account, but never refunded the money in my checking account. I can not view my account balance anymore since the account was closed. I have contacted the branch several times ( on XXXX XXXX in XXXX ), and they repeatedly either say they are too busy, and don't have a banker available but will call me back, or I talk to a banker who says they will talk to a manager and call me back. This has happened 4 times now over the last month, and each time, they do not call back. To be clear, I moved out of state so can not visit the branch in person. They do not dispute that I had the balance, or that they owe me the balance, or that I never cashed any check for the balance. They are fully aware they owe me a balance. They just are not taking the ownership and accountability to fix the problem. I asked if they had a plan to get my funds sent to me, and they said they don't, but would call me back today. They have not called me back. After being a Key client for over ten years, I was surprised how little responsiveness they have. They are holding onto my money and seem to have no intention of getting my money to me. They aren't outright stealing it, they are just very disorganized and have no sense of urgency, and as a result, are unlawfully holding thousands of dollars that do not belong to them.
Product: Credit card or prepaid card

I have always been in good standing with the company. I went to reopen my card and was denied saying it was because of my credit. At one point I was upgraded because of my payment history where I had been making my payments on time. I feel that I am being discriminated against especially since my account has been in good standing.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

I found multiple charges on my card from a company called XXXX. I told them I did authorize these charges and have never done business with XXXX or gave them my card information and all charges from that company are fraudulent. I said I wanted the charges taken off the account. They made one adjustment, and their claims and recovery office did nothing else leaving me with a debt I did not approve. They are useless.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and identified several inaccuraciees that are affecting my ability to secure a mortgagee and overall credit. From my understanding that you will investigate the following account to ensure its accuracy The account that I am asking you to verify and validate : Account name XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$460.00} Date Open : XXXX/XXXX/2020
Product: Credit reporting or other personal consumer reports

I am disputing an unrecognized account listed on my XXXX credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history
Product: Credit card or prepaid card

I have an Upgrade card with a {$2000.00} limit. It's on autopay and I've never had any problems until I changed my phone number. I called to update my phone number on my account like I've successfully been able to do with all of my banking and credit cards... until I got to them. They asked me to provide a pdf format bill of my old phone/new phone number account. But I don't have it because I have a pre-paid account. You don't receive downloadable bills when you have a prepaid account. So, I took photos with my Upgrade account cards along with my driver 's license. They said it wasn't good enough. I took screenshots of my new phone account information which included all of my information and showed my new phone number. They said that is not enough. I then said, forget it. I guess I won't be able to get into an account that I am STILL making monthly auto payments for. Then, I asked if they could ( at least ) please remove the old phone number because I obviously have no access to it any longer. If that is my verification method and I don't have access to it, that's a security risk. Well, it's still on there. They will NOT allow me to update my phone number and therefore I have zero access to this credit account that I am still paying monthly. There have been numerous communications by phone and email. I don't believe it is right that I'm telling them I have no access to my old phone number and they leave it on the account anyway creating a security risk. Also, the rule that you have to have a downloadable pdf bill for your phone is ridiculous. I have EVERYTHING to verify who I am but that's the only thing they will accept. They're basically saying that if I don't have a contract phone or a landline, that I can not change my phone number with them and thus can no longer access an active account of my own. I need help.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

The credit bureaus are still reporting inaccurate items after their investigate.
Product: Debt collection

I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.
Product: Mortgage

Servis One, Inc. d/b/a BSI Financial Services has issued a letter to me fraudulently claiming that my mortgage was transferred from XXXX XXXX XXXX  to XXXX XXXX on XX/XX/2021. I have confirmed with XXXX XXXX XXXX  that they currently hold my mortgage ( as of XX/XX/2021 ) and the servicer is XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. The loan has not been assigned to XXXX XXXX and the servicer is not BSI Financial Services. BSI Financial Services provided a contact address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and requested that all payments be remitted to this address. The letter failed to reference my loan number or the amount to remit, and only included the information