23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has been reporting on my credit ( co-signed. ) My son has gone round and round with them about application of the payments he has made. They have in the past called me with threats to seize property or sue me. They were informed, at the time of job loss, for both the primary and the co. They have reported in error and have been one sided in details, even after trying to resolve and bring account current. Because of their bully  approach I now avoid giving my phone number or email address and require mail only. I would like to speak with them but they make it unresolvable to have a conversation. 
I had perfect credit and when they decided to put this on my report, this one account has dropped my score 200 points. Why would one account be so impactive when you have all the others excellent? I am upset and lacking confidence in student loans going forward. If this is the process for obtaining help to receive an education why would someone proceed? 
Who is stand in the gap for me and my son? I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I filed a dispute for a transaction in the amount of {$800.00}, a debit card purchase made several months ago, a foreign merchant by the name of XXXX XXXX XXXX. This merchant is located in XXXX, a XXXX XXXX XXXX was purchased which was not received and reported lost/stolen to the carrier, XXXX. An investigation was done by XXXX, driver lost package and a claim was supposed to be filed by the merchant to recover loss, I communicated this to merchant via email to their rep, XXXX. Since the merchant is located in XXXX and no number is listed, I am unable to reach them by phone and email is the only way to contact. I emailed XXXX numerous times asking if a claim was filed with XXXX so they can refund me for lost package, she insisted XXXX is still investigating despite XXXX reps claiming investigation is complete and merchant needs to file claim. Unable to reach resolution with merchant, I filed a dispute with Citibank and they were provided information via fax, email, as well as postal mail pertaining to claim and loss of item. As with most disputes, Citibank claimed no information received despite sent three different ways. It appears they were able to locate one of my letters as they later issued a credit to account. However, as of today, XXXX, credit was reversed with no explanation. I called dispute dept again, reps requested I send in another letter despite all information above provided already which they received.. This merchant appears to be a scammer, they may have filed a XXXX claim, got reimbursed for loss without refunding me.. I request Citibank credit back this amount, {$800.00}, ASAP and reopen investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Mortgage

I am an XXXX XXXX. I routinely have to call mortgage companies regarding home insurance so I can get the mortgage company the payment, documents, etc. Mr Cooper 's XXXX line hangs up on me after 4 minutes. The only reason, on my second call attempt, I was able to reach a live person was simply because I used to have a Mr. Cooper mortgage and was able to use my social to get through their phone labyrinth. ALL mortgage companies should be required to answer every call by a person ( vs hanging up ). Furthermore, they should have a separate phone
Product: Credit card

I got a credit card with Discover mainly because of their intro 0 % APR for 21 months. I then completed a transfer balance that I plan on paying down soon. At some point in the first few months with the card I requested two cash advances for a total of {$240.00}. Meanwhile, I've made minimum payments every month for a total of {$1100.00} so far in about 10 months. It made sense to me that the payments were also going to pay down the cash advance balance, but they didn't. I have been charged interest on that {$240.00} for about six months. When I called to complain a Discover representative told me that payments should go towards the balances with the highest APR, so if my intro APR is 0 %, the payments should have gone to the cash advance balance. They simply apologized, said it was how the system was set up, and told me I have to make extra payments to pay down my cash advance balance. This seems like a way for Discover to charge interest fees to unsuspected customers.
Product: Credit card or prepaid card

On XX/XX/2019 I made a nearly {$13000.00} home improvement purchase using my Bank of America Cash Rewards MasterCard. Knowing that I was going to make a large purchase using my credit card, I had previously switched my Rewards Benefit to " Home Improvement & Furnishings '' using the Bank of America mobile app. When I made the switch on the mobile app, I do not recall that I was advised of a limitation on the 3 % rewards. I came to find out after making the purchase there was a limit of {$2500.00} per quarter for 3 % and the bonus dropped to 1 % on everything else. 

On XX/XX/2019 I went into a local Bank of America branch to make a deposit and speak with a Bank of America representative about this issue. He provided me the benefits threshold information state above ( {$2500.00} a quarter @ 3 % and 1 % after the {$2500.00} ) number to call Bank of America. 

On XX/XX/2019 I spoke with a Bank of America representative via phone in the Rhode Island call center. Along with asking about interest on the home improvement purchase, I asked the representative about this issue I experienced with my purchase and rewards. The representative was not helpful and seemed almost dismissive of my concerns. At one point she advised me that I should have used the website instead of the mobile app to confirm rewards application on a purchase. The way she said it seemed condescending than informative. What I tried explaining to her was that if you are allowed to make a specific change on an account using the mobile app, applicable disclosures, disclaimers, etc., should be provided to the consumer so they can make an informed decision. Again, I do not believe this occurred when I made the update on my account and subsequently verified just prior to making the purchase. Not satisfied with the representative 's answer, I advised her that this is simply false and misleading. If you make a change on a bank product, a consumer should be provided applicable disclosures, disclaimers, etc. at that time, regardless if its in-person, via phone, online and even via the app. As a result of this fact, I advised the representative that I would be filing a regulatory consumer complaint ( e.g., CFPB, AG, etc. ). Even after hearing this statement from me, the representative didn't attempt or seemed concerned with escalating to a manager/supervisor in an attempt to diffuse/resolve the situation. This speaks volumes on the bank 's consumer experience policy. 

Overall, not receiving my full cash rewards benefits that I was expecting based on 3 % cost me nearly {$200.00}. Had I been clearly made aware of that my purchase was not going to yield the full 3 % I was expecting, I would have used other credit cards that would have provided higher rewards benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 letters certified to all credit bureaus stating that I was not late on 2 businesses. However, after I mailed the letters I contacted the business establishments myself and mailed them a copy of my bank statements showing that I was not late on any payments with them due to my grace period I have with them. XXXX XXXX as we as XXXX XXXX XXXX XXXX XXXX stated they would update their information. I received my report back from XXXX showing they updated, but as usual Experian are liars and did not even do an investigation but yet said they did and did not remove he lates showing on my report. Please have them immediately update their records and if I am at all able to file suit against Experian I would like to do so. I have also sent a copy of the report from XXXX and the letter from Experian. I had told all bureaus I had a grace period of 10 days with XXXX XXXX and 6 days with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . However, I had until the XXXX of the month until my mortgage was considered late.
Product: Credit card or prepaid card

Purchased a Secure Spend prepaid XXXX gc for my son to use on a field trip. 

Card was repeatedly declined despite verifying after purchase it had funds of {$100.00}. 

After multiple unsuccessful calls to their customer service number and 45 minutes on hold was told the card has XXXX left due to transactions for online purchases at XXXX XXXX  originating XXXX  miles away. Told them I did not authorize those transactions. Was given a case number and told to email copy of card front and back, receipt, proof of legal address, phone and email. 

Since this began I have been inundated with spam texts to my cell phone and have not received any resolution. 

This card should not be for sale since I have read hundreds of similar complaints. Can't understand why it has not been shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 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 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
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find inaccurate accounts appearing on my credit report, and I have no clue how they got there. When I checked, as I normally do, I was alarmed to see unexpected discrepancies. Hoping it was just a glitch, I refreshed my browser, but the errors remained. This issue has left me deeply unsettled, and Im requesting a thorough review of the documents Ive provided to ensure this never happens again.
Product: Payday loan, title loan, or personal loan

Violates truth in lending by not properly disclosing fees occurred. Charging {$25.00} ( nsf ) fees they call late fees per week although they don't give any other payment options. Every week without a detailed statement I see my balance go up along with the confusing and deceitful tax transactions. To sum it up acima should have more clarity into it's practices and this I'm recommending a probe into their lending practices as well...
Product: Mortgage

I received a predatory interest only loan from JP Morgan Chase in 2006. They loaned me {$460000.00} on a property that was my Life Estate. They distributed the money to my 5 brothers and paid a {$180000.00} loan off. When I modified my loan 3 years after it was not a modification it was a refinance and they added an additional {$60000.00} to the loan. I made payments ( during the teaser years I have come to learn ) in the amount of {$1500.00} for 9 years and they then sold my loan to XXXX XXXX XXXX ... My payment went up to {$2300.00} and I struggled to make payments. I lost my home two years after it was sold to XXXX. 

It has been 4 years now since JPMorgan serviced my loan and they have sent me a check for {$120.00}. And it infuriates me that they would send me a check for this amount after they sold my loan after adding {$60000.00} to the balance and after 10 years of making payments my loan went from {$460000.00} to $ XXXX+! 

So what is this check supposed to represent? I Phoned JP Morgan to inquire and people on the other end of the line have no idea why they sent me the check! I called twice! 

This institution ripped me off on my loan, sold me to XXXX ( what a name XXXX ). To me it was like a gun pointed at my head!!! I have lost my home my credit is ruined and they send me a check for {$120.00} for years after they serviced my loan! 

Can you please assist me with this matter as I am absolutely astonished that they would try and settle something or remediate their actions with a check for {$120.00} I look forward to your response! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA. XXXX
Product: Checking or savings account

SunTrust is consolidating to Truist. In the process they have cut off my online access to my account, they have canceled my debit card without giving me access to a new account, I can not update my username or password and they have a 60-minute wait for customer service. This merger has been in the works for a year yet the rollout is a joke. Who is overseeing this process and is responsible for ensuring that customers have access to their money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Received report from credit karma and found three medicial collections no my account. I disputes them of transuion and they were taken off. I waited of 6weeks and karma credit still reported them. I again called transuion and they told me today the were not on the report. Nophone number or answer form karma. I want them to delete the account not showing on my report. 

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

XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER 609,623,611 FCRA GUIDELINES.
Product: Credit reporting or other personal consumer reports

Delete from Transunion, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance XXXX shows open, its closed due to no payment went through divorce he was suppose to pay it but its closed Also there was another account open for same credit company, the same exact date for XXXX. XXXX took the one off for XXXX transition did not. I believe they should both be taken off due to the incorrect information being on my credit report for so long and me constantly having to find ways to get them taken off. 
Date opened was XX/XX/2018 same as the other one from XXXX XXXX XXXX  back and they both still say open. How can it be open when the account cant be charged on and it was closed? They refuse to take it off no matter what I dispute on it
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Product: Debt collection

I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON REPORT THAT ARE NOT CORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints on this matter with this particular bureau regarding incorrect information on two past credit cards accounts from XXXX XXXX XXXX. Their investigation should discover that my claims are accurate and they should remove these accounts immediately. XXXX  has completed their investigation and removed both accounts without hesitation and I'm looking forward to the same action to be taken as this negative information is hindering my financial state in such unprecedented times. Below I will attach supporting documentation from XXXX  regarding the results of their investigation.
Product: Credit card or prepaid card

I made a deferred interest purchase with XXXX through synchrony bank on XX/XX/18 for {$400.00} for 12 months. The initial draft, drafted too much as I had my payment set to XXXX per month. So they issued a credit for the amount over drafted by check, but also issued a credit to account and turned around and charged account for same amount. This caused my account to accrue interest every month since then, which they have credited back to me upon calling to request. But they wont fix the account so that I dont have to call every month and spend upwards of 30 minutes on the phone each time with them. I requested a {$10.00} credit to account to cover interest charges and they denied. My time is valuable and I should not have to call and explain the same thing month in and month out. This has been going on for 3 months now.
Product: Bank account or service

In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX