23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Fresh out of high school I wanted to be someone successful. I went into XXXX College to get some info in classes that were available, I get told that if i sign up for school I can get a job guaranteed. So I fell for it and signed up, when I signed up I had to have a second signature and they told me to have any other adult sign. So I got the paperwork signed, enrolled, started classes to become a XXXX. After graduation I applied for jobs and nothing. I applied for the XXXX with a year waiting list and nothing. Places I applied for told me they could not hire me do to not having experience. I then applied for a position in the XXXX again with another year waiting list and nothing. So, now I 'm here stuck with a student loan that just keep accumulating interest. At the time I signed up with XXXX College to become a XXXX, I did n't understand Interest rates and how much this whole thing was going to cost, I just understood that i would be guaranteed a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient Student Loan Service at XXXX and asked why my monthly payment reflects an inflated and incorrect amount. This information is affecting my credit score and my ability to exercise my consumer rights to credit based on my credit score. Navient informed me that they do not know how to fix the problem. A supervisor advised me to file a complaint and they would note the account accordingly, so the issue may be corrected when CFPB contacts them. 

My current payment is {$110.00}. My credit report shows $ 700+ monthly payment. My payment has never been $ 700+ a month, so I do not have an explanation for the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

IN RESPONSE TO CFPB : XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting You have refused to fallowed the credit reporting act 605b Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods The account and those inquired are fraud ADVANCED COLLECTION BU XXXX Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a small ( {$120.00} ) collection account from XXXX XXXX that was sold to XXXX XXXX Services. Although I have a contract showing I don't owe this money I settled with XXXX on XX/XX/21 because I'm trying to refi my home. This one disputed item has slashed my otherwise flawless credit history from XXXX to XXXX, making it impossible to obtain any kind of credit. This is clearly disproportionate to the amount in question, especially since XXXX XXXX never attempted to settle the debt since the first time they told me they were no longer going to honor my service contract. 

I've confirmed that XXXX first reported the account paid, closed, and remove status on XX/XX/21 and again on XX/XX/21. TransUnion and XXXX are allegedly " investigating '' my dispute on the matter. Despite four calls to XXXX  between XX/XX/21 and XX/XX/21 to request an expedited recheck on the account XXXX has done nothing and is still reporting it open and unpaid to XXXX XXXX and XXXX XXXX. TransUnion has updated the account but incorrectly shows an open balance of {$57.00}. 

Please contact these two companies and urge them to update my file immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

Last year Bank of America put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient.
Product: Credit card or prepaid card

I currently have a credit card with CpaitalOne - Via - Walmart. I have had this card for over 10 years. I have been able to use the card up to the past year. I have contacted CapitalOne, which had asked for my XXXX XXXX Licenses, due ( I am assuming ), the fact that I have gotten married during this time. I tried to send via phone, which didnt work, I have sent it by mail, not ONCE< TWICE, but THREE times. Each time, I have had to call them back ( after waiting 6 weeks ) to get the release of my card, as they have suspeneded my account. I have spent hours on the phone trying to get this resolved, I have tried hours also talking w/a representative on being able to sign onto the account via web to pay the bill, and I am getting nowhere. All I keep getting is that when I do send in the information, they are not able to read the back of the licenses. 
I am sorry, I do not know what they are looking for, but short of going up to XXXX, VA. there is nothing else that I can do. 
Again, I was informed today, they had received the info, but unable to read ... 
This is unfair to me on something that is not new, again, I have had this card for years.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section XXXX ( XXXX U.S.C. XXXX ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section XXXX ( XXXX XXXX. XXXX ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

Back in XXXX, I filed for a modification in which selene finance gave me the run around pertaining to documents and their dates. Then once I finally figured out what they were up to I decided to send it all in at one time then I was denied, but by that point I was XXXX in debt and they pushed me into foreclosure. That has since been resolved. 
In XXXX of XXXX they received an extra payment and I don't know if they kept it or applied it to my loan. 
In XXXX of XXXX they stated I had an escrow shortage for a little over 200 dollars and that was about XXXX bucks to be added to my mortgage for 1 year, but my mortgage was higher than that, when I did the math there was an extra XXXX dollars unaccounted for. When I asked why I was told it was part of the escrow shortage. If that's the case, why wasn't it included in that XXXX total that was divided by XXXX mo? Lies. Next around XXXX / XX/XX/XXXX I received another letter stating that I had over XXXX in cooperate fees and when I called in they said it's because I called in and had them look at my account for a modification, which I did not! So I threatened them with a lawyer. Mysteriously XXXX later I received another letter with Selene finances apology attached stating " there's an error '' and they'll be removing that XXXX off '', which they did. Now we come to XX/XX/XXXX and I received XXXX letters. The XXXX was to notify that I have yet another escrow shortage. That XXXX letter had no total. The XXXX letter came XXXX days later and now they're stating I'm over XXXX short! How? I have not missed any payments, my interest is a fixed 5 % for XXXX yrs, my homeowners insurance decreased and also I noticed on that letter that XXXX tax installment Selene has it wrong. They have it listed for over XXXX when in fact I have the actual bill showing a little over 1200. They are padding numbers hoping people won't catch it! Selene finance are a bunch of crooks! I'm XXXX on a fixed income, I can not afford to be throwing them money for no good reason.
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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account right away : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

My wife and I purchased a home in XXXX 2012 with an FHA loan through PennyMac. We have been paying PMI as required, but recently requested termination of the PMI due to significant increases in property value. The first request was denied about 8 months ago and we recently submitted a second request. I believe our loan docs state that PMI is to be carried for at least 5 years, however, everything I have seen shows if the home value does not exceed 78 % of initial loan amount then PMI is not required. I have also read that upon request of termination of PMI PennyMac could request an appraisal on our property. We would be happy to pay for an appraisal and feel our property far exceeds the loan to value ratio. Our loan amount was for {$160000.00} and similar homes in our neighborhood are selling for well over $ XXXX. Any information or effort you can make in resolving this matter would be greatly appreciated! We look forward to hearing from you!
Product: Credit card or prepaid card

In XX/XX/2022, I applied for an ExxonMobil Smart+ credit card that promised XXXX XXXX  per gallon reduction for gas purchased at ExxonMobil stations. An additional XXXX XXXX  per gallon was promised for the first 60 days FROM THE ACCOUNT OPENING DATE. 

I started using the card on XX/XX/XXXX. Wanting to know when this XXXX XXXX  promotion would end, I called the Card 's Customer Service at XXXX to ask when it would expire. I was first told XX/XX/XXXX which I challenged. Then I was told XX/XX/XXXX. At that point, I asked for THE ACCOUNT OPENING DATE, which they ( XXXX  ) said that they could not give me. I asked for the supervisor only to be given the same denial. 

I tried contacting ExxonMobil, but kept getting routed back to the Card Servicer. THE ACCOUNT OPENING DATE is not detailed on the first statement that I received. All the advertising on the ExxonMobil pumps features this promotion which the consumer is unable to determine when their credit XXXX XXXX  per gallon would end.
Product: Credit card or prepaid card

I have the Chase Sapphire Reserve card with my husband. He is the primary and I am an authorized user. We pay $ XXXX annual fee for the card plus $ XXXX annual fee for me to be an auth user on the card. 
XXXX of the benefits that I have and pay for this card is to transfer miles from my ultimate rewards account to travel partners. I am not able to transfer points to partners. I submit the request through the website and it doesn't go through. 
I started calling on XX/XX/XXXXXXXX  and a ticket was submitted to get the issue fixed. I was told it would take 7-10 business days. I called back a few times between XXXXXXXX  to see if anything was fixed, but every time I was told that no one had opened/looked at the ticket yet. XX/XX/XXXX was the XXXX business day, it is still not fixed. I talked to a supervisor that said he would submit another ticket ( this will be the 3rd ticket ). 
I asked for a refund of some of the annual fee since I am not getting the benefits I am paying for, but was told that was not possible. That nothing can be done and the ticket will be worked eventually. 
In the meantime, I have international tickets that I am trying to book with points, that the point amount is increasing as time goes by. It's possible that by the time this issue is fixed ( if it is ), the flights will not be available to book with points, which will cost over {$2000.00} per ticket. 
I have asked every time I call for this to be escalated. Please help to get this escalated. The reason I am an authorized user is to have this ability, but now I do not have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed two rounds of letters with TransUnion, XXXX and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. TransUnion sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.
Product: Credit card

I am replying to my former case that was closed with no resolution ( The former case was XXXX for reference ) I am still without any miles posted to my XXXX XXXX account XXXX I have contacted XXXX  ( XXXX XXXX ) multiple times with ZERO resolution to get me a business account created. The reps I have called put tickets in for me and told me to expect an email but after an entire month and a half, I still have no resolution to my problem of having no award miles from the card posted. Someone at Citi Bank needs to get out of their chair and make some calls to XXXX XXXX to get my XXXX  business profile connected or created with my one where I can use the miles that are awarded to me. Blaming this on me the consumer to fix is not fair. Citi Bank needs to check who they partner with before placing blame to have the consumer fix the problem. As of now, I am still waiting on my XXXX XXXX  miles that were " sent '' to XXXX  back on XX/XX/XXXX. XXXX XXXX created a business program that was clearly not made correctly when errors like this happen. while yes in Citi Bank 's reply, I did receive the XXXX bonus miles but they were not sent to any way I can access them so calling out the consumer as if this is my issue to resolve is ridiculous. As I have said I have made MULTIPLE attempts to resolve this with XXXX  but they move at a snail 's pace to resolve this issue. Citi Bank needs to make sure that the partners they partner with will fix issues in a timely manner and not drag their feet. I am pasting below the message of my first complaint that was NOT fixed for reference to where I stand with the whole situation. 

The 1st complaint is below I applied and got approved for the " CITI / XXXX  XXXX XXXX XXXX XXXXXXXX '' on XX/XX/XXXX. The bonus terms for opening a new account are " For a limited time, earn XXXX XXXX XXXX XXXX  bonus miles after {$5000.00} in purchases within the first 5 months of account opening '' I spent $ XXXX by the end of the first statement. The statement shows that XXXX miles should be in my XXXX XXXX XXXX account but no account was created when I got the card, a clear error on Citi as well as XXXX  for not having the correct IT to make sure accounts are created correctly for the customer to receive their miles from the card. I have called XXXX XXXX XXXX XXXX over the past XXXX weeks with no updates on creating a business account or getting my miles put into my business account. The customer service reps can see a business card in my profile but no business account ( on XXXX XXXX ) was created to receive any of the miles I got for spending money on this card. As of now, XXXX XXXX XXXX miles are missing.
Product: Credit card or prepaid card

I have several negative accounts with this company that are paid in full and closed accounts. 
The account was opened XX/XX/XXXX and has been Paid in full, Closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this statement is to address the delinquent account that is showing up on my credit report. The XXXX XXXX XXXX  account was closed on XXXX XX/XX/XXXX due to a charge off. XXXX XXXX XXXX XXXX filed Bankruptcy and stopped my allotment in their process of Bankruptcy. I called XXXX XXXX XXXX XXXX for months and no one returned my calls. In XXXX. I noticed that I had a charge off on my credit report. I made serval attempts to try to find a solution to resume payments and to get the account current. In XXXX when I was able to get in touch with XXXX XXXX XXXX XXXX. The representative indicated that I wasn't in their system at all, and they couldn't help me. I have been working with credit repair companies that have run into the same roadblock as me. I am asking for your help to help me find a resolution and get this negative report removed from all three credit reports. If you have any questions for, please let me know!