23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ablty Recvry Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Ablty Recvry Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Prepaid card

I called American Express on Monday to see why my card was declined, as I had enough funds in the account to cover the transaction. I was informed that because I no longer had the debit card that was linked to the card that they were suspending my account. They said since I could n't verify it was my debit card that was linked they locked the account and there was no way to get it on locked. they also said since they have locked the account, I will not be able to get my money back that I have in the account. I asked them if they can just delete the card from the account, as I could n't do it as they have locked me out of the online account. and they said that they could n't because the account was locked and I was never going to get my money back. I said at this point, I just want to closed the account and have you send me a check for the funds that are in the account, they informed me that they could n't and would n't do that ever.
Product: Mortgage

I have used 5/3 Bank for mortgage, different loan, for over 15 years. Late last year I started to have major problems with the bank related to an escrow which they open without my knowledge. Due to this issue I had unapplied funds and late payments as my monthly payments did not match up with the new amounts. I filed a complaint about this as at the end {$1800.00} is missing from my account and no one has yet provided an explanation of where the money is located. 

I have always paid my mortgage before the end of the grace period which is on the XXXX of the month. However, since my complaint, I am now getting calls from the 5/3 collection group by the first of the month asking for my payment even though technically not late. I asked them to stop these calls but they are saying that this is their procedures. In my mind, this is retaliation and harassment for the previous complaint. 

Need help to stop this retaliation and monthly harassment.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. 
XXXX XXXX XXXX XXXX where I was a patient/client at, their computer system was hacked and my information was stolen.
Product: Credit reporting or other personal consumer reports

An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company CRB/XXXX. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from CRB/XXXX, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have CRB/XXXX  provided me the requested contract with my signature. For this reason this is my reason for making a compliant with CRB/XXXX.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

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

Ive sent several letters since XX/XX/XXXX asking for things to be verified and if they were, I requested proof but never got it. I can clearly see serious errors still reporting to my credit report like wrong personal information and account information. 

Dates letters were sent : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Capital one charge off, XXXX XXXX, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Inclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX i received emails stating that my payment plan had been changed. I had just submitted my yearly recertification in XXXX for my IDR plan. It was approved and recalculated on XX/XX/XXXX. There was no explanation as to why my payment plan was switched other than a system error. This resulted in capitalization in my interest on XX/XX/XXXX and again on XX/XX/XXXX when my plan was switched back to the IDR plan to allow me to continue in the PSLF program i am nearly 5 years in. I received letter on XX/XX/XXXX stating my request to reverse my capitalization has been approved and completed and also received another letter on XX/XX/XXXX stating the same thing. I have called numerous times and continue to get bounced around to someone that can tell me what happened and when i can expect this to be fixed as the information i have been given is that this is completed. Due to this system error that occurred in XXXX i have experienced a delay in payments that qualify for the PSLF program along with an increase in payment amount due to the capitalized interest. The information provided to the public states that we pay a percentage of our income towards our student loans and no one can give a straight answer as to why this is the case or when i can expect this to be fully resolved. My student loan principal balance is {$8000.00} dollars higher at this time and continue to make the higher payments in fear if i miss i will not qualify for PSLF anymore given the strict policies. I have expressed and tried to work with XXXX XXXX on many levels to get this resolved however for a system error that occurred overnight on their part it is unacceptable for it to take 4 months to resolve. I feel XXXX XXXX needs to be investigated for unjust student loan practices involving the capitalization of interest for unknown reasons and untimely resolution of problems resulting in the disruption of repayments and lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax 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 Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

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

On XX/XX/XXXX I made a call to Equifax in regards to my credit report being locked due to suspected fraudulent requests. After speaking with an agent, we were able to resolve the issue over the phone, or so I thought. Today, XX/XX/XXXX, I attempted to run my credit for an auto loan, and my report was locked again as a suspected fraudulent request. After speaking with an agent today, it appears that Equifax failed to follow up on my last dispute or correct the wrong information. In fact, their agent changed my name to something completely incorrect on XX/XX/XXXX. 

My legal first name is XXXX, XXXX XXXX and last XXXX. Equifax 's agent appears to have changed this to ; first " XXXX XXXX, middle " XXXX '', and last " XXXX '' When requesting that this issue be resolved, Equifax simply stated that this change was requested by me on the XX/XX/XXXX. They refused to follow up on my dispute and refused to provide me with additional information, that would support I requested this change.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX. 

I was advised that I would get the approval within 24 hours from the Financial Representative helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit card or prepaid card

Wells Fargo advertised cell phone insurance if the cell phone bill was paid with the Wells Fargo Credit Card. I started making my cell phone bill payments via my Wells Fargo Credit Card more than a year ago ( as required by the terms of the cell phone protection insurance being promoted ). Recently ( early XX/XX/2020 ) the phone screens cracked on two phones on the account. These were repaired at a cost of {$66.00} each ( total of {$130.00} ). Claim was submitted to Wells Fargo via Card Benefit Services web site with required documentation. Wells Fargo has refused to pay these claims.
Product: Credit card

On XX/XX/XXXX, XXXX I booked a room with XXXX by XXXX XXXX XXXX Va on XXXX XXXX XXXX I booked on line and then decided to stay somewhere else. I called the hotel and cancelled the reservation they said no problem, I then called Paypal to let them know I had cancelled the reservtion- this was around XXXX XXXX, I called the hotel back so they could return the payment to Paypal . 
I spoke with the Hotel today XX/XX/XXXX, and spoke with XXXX she said she return {$74.00} where is the rest of the money? I called paypal they said they have received nothing back I have been Woking on this for one month and can not get it resolved. 

I first opened a dispute with Paypal and they ruled in favor of the Hotel- HOW! 
I did not stay at the Hotel not even one night- It was all done on line and by telephone. 
I do not understand why they are not getting this. 
I need some help in this manner- I am not going to pay for service I did not receive I have spoken to about 10 different people at Paypal and the last person was XXXX and she refused to transfer me to a supervisor. They are awful! 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting opened but its closed and revolving account XXXX  XXXX, XX/XX/XXXX balance unknown XXXX XXXX  XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent.
Product: Debt collection

My identity was stolen in XX/XX/XXXX. In XX/XX/XXXX someone purchased a phone from a company called XXXX XXXX XXXX. This was fraud, I disputed it at the time. It went to collection in XX/XX/XXXX. The amount is {$1000.00}. The collection company listed on my XXXX is Security Credit Services in XXXX, XXXX XXXX I phoned them to let them know this is fraud, and they forwarded me to XXXX XXXX XXXX who they say owns the debt. Ive made them aware, and filed a dispute with XXXX. XXXX recommend I let the FTC know so they can help me as well. Please contact me with any questions XXXX. Thanks
Product: Debt collection

XXXX, XXXX  there was a credit card open account in my name my address, XXXX supposedly they file a lawsuit against me they didn't even notify me by mail, email call, I didn't receive court documents to respond, they went and did a levy on my bank account took all my money closed my account, closed my XXXX account, I had contacted the bank cause my money was gone they told me than I didn't know this was going on, this took place on XXXX
Product: Credit reporting

I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter in regards to XXXX, EXPERIAN and XXXX on XXXX, XXXX and XXXX asking that they be removed. Please note the response should have been provided by date XX/XX/2021. I have not received a report and XXXX, EXPERIAN and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.