23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

SAVE application was filed with Federal student aid.gov on XX/XX/2023. Application was sent to Nelnet on XX/XX/XXXX. I also applied for PSLF through XXXX. On XX/XX/XXXX, Nelnet advised that loans were being transferred to XXXX. It was then that I realized my loans were approved for PSLF. 
On XX/XX/XXXX, i received a notice of billing from XXXX. The bill did not reflect a lower billing amount from SAVE. In fact, the bill is unaffordable for me. I called XXXX, and they stated that they never received a SAVE application from Nelnet. I called Nelnet on XX/XX/XXXX. They swore that the federal SAVE application was sent to XXXX at the same time that my lowns were transferred-on XX/XX/XXXX. I called XXXX again. They stated it was not sent. Today I spoke with a high level supervisor at Nelnet. He confirmed that my SAVE application was NOT sent to XXXX at all. I asked why my SAVE application, as part of my file, was not sent with my loan transfer. I did not get an answer. So first I was lied to, then I got apologies. There was no notification from Nelnet that I had to reapply for SAVE, or that it couldn't be processed, until 3 weeks after my loans were transferred to XXXX. 
I had to reapply for SAVE on XX/XX/XXXX, making it too late to effect 2 bills from XXXX so far. These bills are unaffordable, causing me to go into forbearance. 
SAVE is a federally filed document. I should have been notified, as it was also part of my account, of anything regarding its processing.
Product: Bank account or service

I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this request.
Product: Consumer Loan

In XX/XX/2016 I traded in a XXXX Toyota Prius for a new XXXX Prius at an APR of 1.9 %. My payments were approximately $ XXXX/month. Today I looked on line at my account. Toyota 's system was down today but there was information available that I had not seen before. There was a schedule that showed my payment broken down by 1-payment, 2-principle, 3-interest. The interest was {$43.00} per month for the payments that I have made. This does not calculate to 1.9 %. This is not seen in the restarted Toyota webpage. I looked at my contract and there is a statement saying that I am paying " simple '' interest. This is defined in the small print. What I discovered was that there is an amortization schedule that shows what the quoted APR of 1.9 % is if the loan is carried out to the end of the 60 months. Most of the interest is front loaded just like a home mortgage. This is not disclosed at the time of sale and no amortization schedule is offered at the sale. In fact the only amortization schedule is a sample one on their webpage. I am concerned that this is a way that Toyota is causing people to unknowingly become underwater on their account when they go to sell/trade in their cars before the end of the contract, especially in the first 3 years of the contract when the actual percentage of the financing can be as high as 10 %. Toyota does not say that the 1.9 % APR is calculated over the lifetime of the loan, not as is implied as a yearly APR. Incidentally XXXX discloses on all their monthly statements the amount of money going towards principle and interest. Toyota does not. These types of loans require disclosure of an amortization schedule at the time of home purchasing and the automobile companies should be held to the same standards. Unfortunately I do not have screen captures of the Toyota webpage when it was not functioning correctly.
Product: Debt collection

My electric service provider was XXXX XXXX for 25 years. Moved in XXXX, so closed my XXXX  account in XX/XX/XXXX. XXXX  would not allow me access to pay online, since my account was closed. Even though had been making online payments each month. XXXX  advised me to go to an authorized payment center, and they only accept cash. Never used a payment center before. Went with cash and copy of my bill from XXXX, paid cash and got receipt. 
XX/XX/XXXX - 14 years later ... received letter from collection agency regarding the last payment to XXXX. Did chat sessions, to resolve, with XXXX today, and was told that my payment was applied to wrong account. How does the individual customer have control over what account they post payment too? All customer support at XXXX  said was that this debt was sold, and I would have to talk to the " owners '' which is a collection agency.
Product: Credit reporting

Tax Lien information on all XXXX reports is incorect I am making payments
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is against XXXX XXXX XXXX XXXX. They charged me {$520.00} for their insurance that they did not tell me about when I rented the car from them. My insurance, XXXX XXXX, was already covering this rental and the insurance for the rental. I feel like the addition of the redundant rental insurance was deceptive and was not disclosed it to me until after they charged my account. 


My bank Capital One has not been helpful in helping me resolve this issue with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Certain accounts listed are erroneous concerning their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to existing complaint case no. XXXX, which was filed on XXXX. The companys response was unsatisfactory and incomplete yet I today ( XXXX XXXX ) received notification that my account is now delinquent, despite my repeated attempts to contact Comenity Bank and receive any means of logging in to my account. I have relocated abroad and have made every attempt to contact Comenity via email, social media, and complains to no avail. And now my superb credit score has been impacted significantly by their inaction and failure to communicate. This is unacceptable and jeopardizes my ability to continue my student loans abroad.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error with a account that was accidentally disputed in error. XXXX XXXX Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, Transunion or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the XXXX XXXX Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the XXXX XXXX customer service center on XX/XX/2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company XXXX XXXX, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted XXXX XXXX Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted XXXX XXXX, verified the account with the authorized user to customer service representative and authorized XXXX XXXX to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving this.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to case number XXXX. Truist has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, Truist continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by Lightstream account that I already had and signed documents electronically without my consent or knowledge. Lightstream/Truist failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. Truist continues to not be. 

I have been a client of Truist/BB & T for over 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would Truist be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with Truist and the Credit Bureaus at this point and am willing to just move forward if Truist would be willing to help me out and remove these negative remarks from my credit reports.
Product: Mortgage

mortgage transferred from XXXX to chase, involuntarily ... paying bi-weekly payment with chase but chase will not honor payments until a full monthly payment is satisfied. this defeats the purpose of doing a bi-weekly payment. according to a chase representative, I have satisfied payments until the first of XXXX. I have reached out to both companies but either one are able to help with my issue. Chase 's policy is to the disadvantage of the consumer. They are using my one bi-weekly payment before I am being given credit into my account.
Product: Credit card or prepaid card

I was notified by Bank of America on XX/XX/XXXX that suspicious charges appeared on my credit card. I filed a fraud claim and received a resolution in early XXXX starting that my charges had been resolved. 

I was then notified on XX/XX/XXXX that the merchant of said charges XXXX XXXX XXXX XXXX XXXX opened a billing dispute with Bank of America regarding my fraud claim. XXXX XXXX XXXX claimed that they have my name, email, and shipping address, proving that I made and received the purchases in question. 

The charges have since been placed back on my credit card statement and Bank of America says that I am responsible to pay for these fraudulent purchases. 

I have spent 10+ hours on the phone with Bank of America and XXXX XXXX XXXX and have so far received no resolution to these charges which total over {$1200.00}. 

I have spoken with multiple supervisors and escalated my claim to the highest level available to me and still I have received no resolution. 

I am now expected to pay over {$1200.00} in unjust charges on my next billing statement or risk harming my credit and incurring debt. 

I have never participated in a transaction with XXXX XXXX XXXX, I have no accounts open with them. This purchase quantity is wildly out of character for my spending habits.
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

This account ( CAINE WEINER # XXXX ) has been re-aged on my credit report, and I demand its immediate removal. Additionally, I am concerned that this account is only being reported by XXXX and XXXX, further highlighting the inaccuracy of the information. 

This inaccurate information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681i ( 5 ) ( b ) ( ii ).
Product: Credit reporting or other personal consumer reports

I have been having issues applying for an XXXX XXXX XXXX XXXX through Affirm for the past several weeks. When applying through Affirm, I received a message that I had an extended fraud alert on my XXXX credit report, however, I removed this fraud report several weeks ago. To verify my identity, Affirm sent out an automated text message to the old phone number that was listed on my credit report ( ending in XXXX ). I no longer have access to this number and have updated my phone number on XXXX several weeks ago as well. I have called Affirms agents to verify my identity, however, they keep calling my old number to verify my identity. I have been getting nowhere with this issue since Affirm is still using outdated information on my credit report. They unfortunately do not use any other verification methods so I am unable to finance a new phone through Affirm. XXXX you please help me with this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED LETTERS In accordance with the Fair Credit Reporting Act the following reporting Agencies : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX have violated my rights. 

15 U.S.C. 1681 Section 602a States : ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 15 U.S.C. 1681 Section 602a ( 4 ). There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

15 U.S. Code 1681b 604- Permissible purposes of consumer reports.

15 U.S. Code 1681b 604 ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 
Pertaining to the word Accuracy : the information being providing is inaccurate. 

Fairness and consumers right to privacy : XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX are a For Profit Organization/Corporation/Agency that is providing private and inaccurate information that is tarnishing my reputation and is costing me opportunities. 

I did not give XXXX XXXX XXXX, XXXX, Experian and XXXX, XXXX or its affiliates written instructions to furnish private information. 

Both together and separately my consumer and privacy rights are being violated.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Dear ( XXXX XXXX XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor. 
to the secure trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors
Product: Debt collection

AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.
Product: Credit reporting or other personal consumer reports

Errors in my payment history have appeared on my credit report. Please fix and update accordingly.