23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I began my XXXX studies in XXXX at XXXX XXXX University. I took out a private loan in order to continue my studies. I was unfamiliar with student loans at the time, and my parents were not able to pay for my schooling. I took out this private loan with the assistance of my financial aid counselor at XXXX, with my father as the co signer. I graduated XXXX as an XXXX in XXXX XXXX. I began XXXX school at XXXX in XXXX XXXX. I began getting phone calls from American Education Services, requesting that I make payments. I explained that I was attending XXXX school, and was unable to make the payments they requested. I graduated with my XXXX XX/XX/XXXX, and began working in XXXX of XXXX. I have not been able to make the large payments requested by AES because I came out of college with nothing, moved in with my parents and made small payments. At one point I was asked to make payments multiple hundreds of dollars a month, which I was and, I am still unable to make. At this time, my loan has become " severely delinquent '' and I am being asked to make a one time payment of {$54000.00}. I have been told by the collection agency ( XXXX XXXX XXXX ) that I no longer have the option to make monthly payments because of my severe delinquency. My father is also being harassed with phone calls, and being threatened by these representatives. I have offered to make small payments now that I am a bit more financially stable, but the collection agency stated that due to my continued delinquency, I am no longer eligible to make monthly payments. The collection agency has advised my father and/or myself to take out a second mortgage on my parents home to make the loan payment. At this point, I feel helpless because I have no way of getting that kind of money, and according to the collection agency, I have no other options at this time.
Product: Credit card or prepaid card

Capital one Travel rewards booked me a room in NY on Friday XX/XX/XXXX to the XXXX at the XXXX in XXXX. When our family arrived in XXXX to check in the doors were locked and the hotel was closed. After hours on hold I was informed that the reservation was cancelled ( not by me ) unfortunately this took another few hours for them to confirm. There response XXXX at customer line, Im sorry there is nothing we can do. After more time and countless attempts to speak with someone who could rectify I was informed that is is capital ones policy that it could take up to 15 days to get a manager. They let me know that it was cancelled by their third party vendor XXXX XXXX! Neither of which Capital one or XXXX informed us the customer. They blatantly lied and informed me the sent email, which was never done. Leaving my family stranded in XXXX without a room on busy leaf season. They refused to help or return calls with a resolution except its not our fault. We missed scheduled events and the inconvenience was aggravating. So not only did we not receive what we thought would be a nice get away in a quality hotel. We had to come out of pocket, additional expense, time, aggravation and plenty of frustration! Companies should not be allowed to operate in this manner, leave their customers with out any kind of compassion when they are 100 % in the wrong. They should be ashamed of this, especially when it could have been easily rectified by allowing me to speak with someone who actually cared and could fix immediately by reimbursing me for a room I did not want but needed because Capital one created the problem in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX XXXX  is still appearing on my Transunion, XXXX, and XXXX   credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however Transunion , XXXX  , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current lender Caliber Home Loan XXXX XXXX XXXX XXXX, OH XXXX Loan number : XXXX Caliber Is refusing to return to my escrow account {$1200.00} amount that as per their Home owners Insurance Department was send to my previous Home owner insurance company XXXX XXXX XXXX XXXX XXXX of North Carolina XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX ti cover my XX/XX/XXXX to XXXX XXXX Home owner Insurance. 
Never receive de payment and my home owner insurance got cancel on XX/XX/XXXX because they never receive a payment from Caliber. 

Caliber on a letter address XX/XX/XXXX to me state that since XX/XX/XXXX I did not have XXXX because I did not pay. 
This payment as per never XXXX was never received .On XX/XX/XXXX was the first time for the past 5 months that Caliber called XXXX to see why this policy was cancel. 
As per Caliber they used a wrong address to send the payment. 

On XX/XX/XXXX I my self call a different insurance travelers to insure my home, because my previous insurance will not renew my previous policy because 5 months already pass. 

For the past 45 days I repeadly call Caliber Escrow Department and Home owner Insurances department to get the {$1200.00} back in to my escrow with no success, nobody really have a resolution, false promise to be resolved in 1 week or " We will call you to follow up with you " nothing had happen except that they used the escrow money in my escrow to pay my property taxes to pay for my new Travelers XXXX {$1400.00} and these create a deficit that increase my monthly payment from {$1700.00} to {$1800.00} on XXXXMy new XXXX increase XXXX XXXX yearly and leave me a bad record with Occidental XXXX because they have me as a bad payer. 


Multiples letters staying that I don't have insurance, That I have insurance or that I will have to pay {$690.00} for the months with out insurance.Caliber poor costumer service and no answers or resolution is the reason why I am complaing. 

I feel this is a miss used of my escrow account and a abused of on low income costustumer because they never keep track that the insurance payment Check never was cash if they really send this to the wrong location.Also if the check never was cash why I not getting credit that amount back to my escrow account instead they want me to paying they back .This company is a scaming
Product: Credit reporting or other personal consumer reports

Hello to whom it may concern. 
I XXXX XXXX received a car loan from XXXX XXXX. I did the payoff and then I tried to receive a new car loan or bank loan to see what I was offered. 
The problem is that nobody is seeing at my credit history the loan I received from XXXX XXXX. Not even the companies Equifax XXXX and XXXX. 
I did a claim on this but I guess it was on the wrong department!
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents, I have letter for you to honor my request I also included FTC report and my id 's.
Product: Credit reporting or other personal consumer reports

Received an alert for a credit monitoring service that my and my wifes Soc Sec numbers were compromised on the " dark web ''. I then decided to place a " freeze '' with all XXXX credit agencies. Minimal or no problems with XXXX and XXXX, got into accounts easily or easily by phone in XXXX case with XXXX. BUT, like countless people ( see complaints, even on XXXX ) have been unable to log into our TRANSUNION account past the part that requires personal ID info. Once all info accepted it immediately takes you to a page saying " temporarily unable to complete request. Looks like we are experiencing a problem ''. This has been going on for a very very long time as inputs from other complaints online and XXXX are identical. I then tried calling many time, automated system asks ID info, then at the end no rep, you get into endless " wait '' with stupid music and necessary to press " XXXX '' every XXXX seconds or so to stay on " wait '' and not get disconnected. If you choose to press " XXXX '' for a callback, it ENDLESSLY request your phone number over and over and over again, never ending. If you do not enter it at any time it asks again, you then get a very LOUD busy signal. There has been absolutely no way to get in touch with Tansunion, in many cases for months! Placing a reqd freeze is and has been IMPOSSIBLE. These people seem like scammers, though supposedly legit! Something needs to be XXXX, other XXXX agencies do not have these issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX EXPERIAN they also have records of files that are wrong.
Product: Bank account or service

SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and CREDCO ran an unauthorized credit inquiry on me on XX/XX/2021. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report today, and I have no idea why. Ive checked my report as I normally do, but these discrepancies just showed up out of nowhere. Refreshing my browser didnt fix the issue, and I am incredibly frustrated. I need the documents Ive submitted to be thoroughly checked immediately so I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 usc 1681n ( civil Liability for willful Noncompliance ) I have disputed with this company time after time, they never validate any of their information, because if they did then my credit report wouldn't continue to harm me but reflect on the truth. 
Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Asset recovery solution : lil I spoke with XXXX, through text messages on XX/XX/year> I requested a letter to validate the debt I asked them if I entered a contract with about this debt the told me they was collecting this debt on behalf of of XXXX XXXX XXXX  under 15 U.S. Code 1681b Under this law you have to provide evidence of WRITTEN instruction of me authorizing you to report and item on my credit. and I did not give you this consent Permissible purposes of consumer reports. XXXX told me that I will receive all the information all the information I requested by email through the email that I gave from when we was talking through messages.
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. 
I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following document : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company
Product: Debt collection

In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX, they claimed they were a debt collector, about an old debt I owed. They sent me an electronic document wanting me to sign it authorizing them to take bi-monthly payments out of my checking account till the debt was paid in full. 
Recently I needed to contact them in regards to an upcoming payment. I Googled their business name & found out they were not debt collectors at all, but a scam. I called them & told them that I would not be making any more payments & that they were a scam. They immediately hung up the phone on me. 
They started taking payments from my checking account last year starting on XX/XX/XXXX. Below is a list of dates and amounts that were taken out of my checking account. 
XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$360.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$230.00}
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : 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. 

Account Inquiries & Dates : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX & XX/XX/2023 XXXXXXXX XXXX XXXX  XX/XX/2023 Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Per FCRA Section 605b, the Credit Bureaus are required to remove any account and information that resulted from an Identity Theft. I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Kindly delete these information on my Credit File that were opened due to Identity Theft ; Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unresolved inaccuracies on my credit reports with XXXX, TransUnion, and XXXX. Despite submitting disputes and providing documentation on XX/XX/2024, regarding erroneous accounts from XXXX XXXX XXXX and XXXXXXXX XXXXk, these agencies have failed to rectify the errors. This ongoing issue has caused significant emotional distress and financial harm. I request immediate correction of these inaccuracies and resolution of this matter. 

Thank you for your prompt attention to this issue. 

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

Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019XXXX XXXX PST I called Experian to dispute the enquiry and the redirected me to talk to XXXX only. 

Date : XX/XX/2019 XXXX XXXX PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''
Product: Student loan

After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. I contacted XXXX XXXX Several times this year, to make sure I was in deferment and no issues. I used deferment to make sure XX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX  and everything would be fine, I would just have my XXXX in-school payments to make. On Monday XX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called XXXX XXXX and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. XX/XX/XXXX Tay ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job! 
update XX/XX/XXXX- still nothing updated and have no clue when anything will be done
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 EXPERIAN BUSINESS CRED XXXX