23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Federal Student Loan and a Parent Plus Student Loan. 
When My son Graduated from College he could n't find a job. 
I have been supporting my son. 
I am employed. I have tried over and over again to pay these loans. Every time I receive an e-mail and they Navient tell me what I have to pay, when I call to make the payment is it always 99 % of the time a different amount than they sent in the email or on the payment slips mailed to me. I have been on the phone for hours trying to get this straight. 
Everyone tells me something different. Whether they are in XXXX or the US it is never the same. I made a payment XX/XX/XXXX for {$330.00} for XXXX loans as instructed and today they told me I did n't pay on XXXX of the loans. And could not tell me what was going on in my account. They asked me to fax proof of my payment. 
I had to request an Administrative Review in XX/XX/XXXX to the XXXX. They said I did not pay but I did pay XX/XX/XXXX. 
Then they sent me an approval for a forbearance XX/XX/XXXX 
When I called no one knew what i was talking about. 
on my credit they have so many late and XXXX loans with Navient. I have XXXX not XXXX. 
All of the late they have listed is not true. When I call to make a payment they always have a totally different amount than what they told me to pay. Not some time but always.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer file number : XXXX - Case number : XXXX. On XX/XX/XXXX I submitted a dispute together with my identity information XXXX  # XXXX XXXX XXXX XXXX XXXX received XX/XX/XXXX by XXXX XXXX. Since I did not receive a dispute result letter I followed up on XX/XX/XXXX with a letter to send me an updated report with the deleted information. I received a general response letter dated XX/XX/XXXX asking me to mail in a request form. It has been more than 30 days since my initial dispute and I demand that the information to be deleted as required by Federal Law. Anything else would mean that this company does not have to follow Federal Laws. Your help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit reporting or other personal consumer reports

THIS IS MY SECOND TIME I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX  XXXX # XXXX .... 

in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting

Below is my issues ... 
1. Bankruptcy Filed XXXX ; US Bankruptcy XXXX ; XXXX or ID # XXXX ; this has been discharged and should be listed as discharged but they still have not updated this.. It was discharged in XXXX 2015 ... When i apply for credit everyone tells me my Bankrupt is still active but it is not. Discharged in XXXX on XXXX XXXX, 2015. 
2. Case or ID # XXXX -- - this needs to be deleted from my report. It has been more than 8 years. 
3. Case or ID # XXXX -- this needs to be removed. it was included in my chapter XXXX and needs to be deleted because I am no longer liable. 
4. Case or ID # XXXX -- - This needs to be removed. I am no longer liable for this account. Please delete .... 
5. Case or ID # XXXX -- - Needs to be deleted..I am no longer liable for this account. 
6. Account # XXXX -- -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
7. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
8. Account # XXXX -- - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
9. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
10. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
11. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete. 
12. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete13. Account # XXXX Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete14. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete15. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete16. Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete17.Account # XXXX - Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete18. Account # XXXX -- Included in chapter XXXX which has been discharged. I am no longer liable for this account. Please delete
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 
XXXXDEBT OF ED XXXXDEBT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently looked at my credit report XX/XX/XXXX from experian. I saw some hard inquiries that i did not have permissible purpose. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times
Product: Debt collection

They contacted me beforXXXX XXXX XXXX  an after XXXX XXXX On numerous occasion. By text an email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} According to FCRA XXXX XXXX ( 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: Debt collection

The company sent me information to my home address stating I owe them. I never heard of this company nor do I owe them. I requested for the original contract with my signature, how they came up with this total and the dates of the contract and they have failed to provide me with the information.
Product: Credit card or prepaid card

XXXX XXXX XXXX sent paypal credit card company XXXX on XX/XX/2022. Paypal cashed the check on XX/XX/2022 and applied it to someone else account. I have sent 68 fax messages with the copy of the check and the bank has sent 7 and paypal said they I still owe the XXXX. I call several times weekly and also have sent messages with the bank letter and canceled check and they refuse to help me and it's causing me to lose my credit score and caused me to pay a higher interest rate on my new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has screwed up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XXXX, XXXX and XXXX involving this account. The account has never been delinquent, but my score is screwed with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Product: Mortgage

Hello, I bought a home in XX/XX/XXXX and it is currently being serviced by Truist Financial. 

I found out that none of my property taxes had been paid around XX/XX/XXXX and called immediately. They discovered that they had been paying my neighbor 's taxes and " handled '' the problem. I asked for a written explanation of the resolution so that I could understand what was done and verify that I was taken care of properly. I never got the explanation. I called back a few months later and they agreed to send the resolution agaun, but they never did. 

In XX/XX/XXXX, Truist told me that they projected an escrow shortage of - {$1700.00} and that my monthly payments would be increasing by {$200.00}. There was no explanation of why. 

I called again to try understanding where these numbers are coming from. I can explain about {$600.00} of the {$1700.00} shortage as supplemental taxes were paid by Truist, but not the remaining {$1100.00}. It took multiple calls, but they eventually opened another case in XX/XX/XXXX to help me and escalated it. 

On XX/XX/XXXX, I missed the call from a Truist supervisor who was finally going to explain everything. She left a voicemail simply stating that they were originally paying my neighbor 's taxes and that they are now paying the correct parcel number. All of this is information I've had for months and doesn't help me at all. They left no callback number and have made no effort to try calling me again. 

I feel completely helpless in this situation as I have to re-explain my problem every time I call and I have been promised help or follow-up calls that never happen. It's completely unethical to raise a monthly payment without proper explanation, especially when it's directly related to the financial institution 's initial blunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters so 1 letter for each bureaus XXXX Equifax and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.
Product: Checking or savings account

On or about XX/XX/XXXX I received an email from Goldman Sachs letting me know of a bank promotion which stipulated that if I deposit at least {$10000.00} in my savings account and kept it for 90 days I would get a bonus of {$100.00}. I deposited {$10000.00} into my savings account on XX/XX/XXXX. Since I didn't receive the bonus, after XXXX days on XX/XX/XXXX I contacted Goldman Sachs. I was told that I met all the conditions of the promotion and I would get the bonus within XXXX business days. After XXXX business days on XX/XX/XXXX I contacted the bank again, and this time I was told that they would open a case to find out why I didn't receive the bonus. I opened case XXXX. When I opened the case I was told it would take 1 to 3 business days to resolve. After 3 business days I called again and I was told that I would get the bonus within 1 to 3 business days. After another 3 business days I called again and this time I was told that the promotion department would contact me regarding this. As of today, no one has contacted me, and after repeated phone calls I still have not received the {$100.00} bonus. Over the last week I called at least 6 times. Each time they tell me something different.
Product: Payday loan, title loan, personal loan, or advance loan

I was told my loan would end 2020 and I am still paying it off. I was charged a lot of fees and extras that I did not want and was told I had to get.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX you are reporting this collection as an " OPEN account which is not under the FCRA XXXX. this is inaccurate reporting and this need to be removed immediately. please send me a copy of my credit report when the above delection has been removed .Please attach copies of the following XXXX, the purchase agreement XXXX Name and address of the original creditor XXXX, Date of the original charge off or delinquency XXXX The date this alleged debt became payable XXXX, The original contract and signature on file
Product: Credit card

XX/XX/XXXX - opened account through floor and decor XX/XX/XXXX through XX/XX/XXXX requested contract and monthly statements. This request went unanswered. We utilized automated phone system to make estimated payments. 
End of XXXX, beginning of XX/XX/XXXX XXXX XXXX was paid off. 
Due to the fact that we never received any statements and contract. It was unknown to us of when the interest free promotional offer ended. We estimated the end XX/XX/XXXX. 
After paying off total balance we received the deferred interest for the entire year. We tried to dispute this but a reason was never given as to why. The total is still increasing with late fees. We are requesting to have Comenity investigated for violation of with holding account information and practicing deceptive and misleading lending practices. Comenity has been involved in numerous class action suits and have extremely poor consumer ratings on yelp and other rating sites such as the BBB. Comenity has reported us to the XXXX bureaus and we want the filing to be removed. We want Comenity to be held accountable for preying on consumers. We also want the interest to be eliminated and the account canceled so that we never have to do business with this entity again. We hope that you can provide assistance in this matter. 
Thank you XXXX XXXX If any other information is required please reach out.
Product: Credit card or prepaid card

I have a Citi / AAdvantage Platinum Select World EliteTM Mastercard issued by Citi Bank. I received a promotional email offering a promotional interest rate of 1.99 % for new purchases until XX/XX/2019 ( attached ). I enrolled in the offer in XXXX. 

My XXXX statement had a balance of {$620.00} which was subject to the standard interest rate equaling {$11.00}. 

I made a payment of {$650.00} by the due date which, according to the Credit Card Act, should have been applied to the balance with the highest interest rate. Upon receipt of the XXXX statement I uncovered that {$560.00} was still being charged at the higher interest rate equaling {$9.00}. Citi had applied my payment to the balance with the lowest interest rate which I believe is against the Credit Card Act.
Product: Debt collection

On XX/XX/22 credit report was given stating points decreased due to one unpaid bill with MRSBPO collections. Called this company and was informed of ( XXXX ) area code with Florida address had opened an XXXX mobile account back in XXXX XXXX and amount pending was {$2200.00}. I never lived in Florida nor do I own a mobile number starting with area code ( XXXX ). I did not give consent or open an XXXX mobile account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

XX/XX/XXXX I sent over a letter requesting inaccurate information to be deleted along with proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to remove information ( a hard inquiry from XXXX XXXX  ), from my credit report after being notified by the bank in writing that the inquiry was the result of a fraudulent attempt to open an account using my identity. On XX/XX/2024 I received a form letter via secure email from Transunion advising me to contact the creditor to request a fraud investigation. The fact is that XXXX XXXX  has already notified Transunion that the inquiry was the result of a fraud ( please refer to the attached letter as well as the associated complaint with CFPA ). 

The Transunion file number is XXXX