23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.
Product: Debt collection

I have been disputing this company for years, I have never received written notification of this debt or my right to dispute and based upon that info this debt needs to be removed from all 3 credit reporting agencies.
Product: Credit card

In regards to Case number : XXXX. What they 're telling me is not an ethical solution. I am not going to be paying interest on a card for 3 months that ca n't be used. There is no such clause. Nor is it legal. Now if they want to cancel it they cancel the balance as well. I am paid up. They are fully aware of what transpired. Furthermore the balance is incorrect. There have actually been balance issues all along as far as the monthly statements go. I called a XXXX who left a voicemail. She never returned my call. Today I received your email with their resolution of 3 months of payments.
Product: Bank account or service

Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad service!!
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. Experian and XXXX XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Debt collection

I was contacted on XX/XX/2021 by Williams and Fudge XXXX. XXXX XXXX XXXX XXXX, SC XXXX about a college debt. I was told that it would be on my credit report after 60 days if not paid. I requested validation. Information sent to me shows that the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, XXXX and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sending a attachment with the list of the Identity theft on my personal information some one used and open credit accounts.
Product: Debt collection

I received multiple calls and have confirmed my address and the company will not send me a copy of the medical debt as I have not been able to validated. date
Product: Credit reporting or other personal consumer reports

I have contacted company on occasions to dispute charges. They always deny them even with documentations they never reach out to you for a question and answer or to send more documents that just go ahead and deny them they dont care what the reason is for they never properly investigate any dispute. All they say is they dont found any reason and they found the charges as accurate. Its like they working with the debt collectors. I asked him how do they find this accurate and they dont respond.
Product: Debt collection

This company is trying repeatedly to contact me about a debt belonging to someone else. They have the wrong person and have been advised on two occasions but continue to call.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I lack the relevant knowledge, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICED A REPO ON REPORTS.EXPERIAN IS NOT PROPERLY INVESTIGATING ACCONT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, the credit reportng agency has a serious flaw with thiercredit file freeze system and service. BEWARE ; if you need to use your credit file prior to recieving your security pin by mail, which can take ten days, you wil not be able to have any credit checks. 

I spent hours on the phone with Experian today and after following the insructions to get my pin number online from the experian website, i was blocked repeatly, every step of the way. It even blocked from verifing my own identity, blocking me and constantly saying to wait until i recieve my pin by mail. I never had this problem with the other two credit agencies. 

I needed my file unfrozen in order to get approved for an apartment and was denied both by the landlord and experian because my file remained in freeze mode. Experian needs to fix this issue FAST!! 

My next step is to file a multi-million dollar lawsit against experian for this flaw in thier system
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX  # XXXX I was never late, on Transunion and XXXX stated that i was paying " Exceptional '' but XXXX has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late
Product: Credit card or prepaid card

Two days after filing a Cfpb claim against JP Morgan Chase Bank ( Claim XXXX ) I received a call from their fraud team in regards to an account ( the same account referenced in Claim XXXX that has been closed for over 2 years. I am very concerned with my privacy and the fact that Chase called with a false fraud claim ( the card was destroyed when the account was closed in XXXX, 2020 ). The Chase representative would not verify any information when I became concerned for both my privacy and financial security. Call was received at XXXX XXXX CST from the number XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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 items that do not belong to me or were opened without my permission
. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation
Product: Mortgage

I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never charged off it was a secured card. I tried to fix this with Equifax and they refuse to do anything on the report after 2 letters. It was never late and sure wasn't charged off My attorney told me to file separate complaints on both and to add this PDF here so there is a record and 1 was mailed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, 2017, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XX/XX/XXXX and dismissal of the bankruptcy reported was last XX/XX/XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.
Product: Mortgage

Loan Servicers XXXX XXXX Bank and Bayview Loan Servicing XXXX did not provide adequate notice of loan changes and also misrepresented information in letters sent to us. XXXX XXXX Our loan was sold to XXXX XXXX and in the initial letter we were told to continue sending our payments to XXXX and same address. After sending payment a XXXX days later the payment was kicked back by XXXX. It was then we found out that Bayview was now servicing our loan. Bayview and XXXX both violated federal law by not notifying us in time of changes in our loan and payment information. XXXX XXXX Bayview Loan servicing did not provide the required XXXX day notice that our payment amount was changing due to the XXXX year ARM ending and rate reset. Also, another violation of federal law.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I settled both of my accounts financed with XXXX XXXX. I received a letter on XX/XX/year> showing settled and paid in full by XXXX XXXX XXXX. I have called XXXX XXXX and XXXX XXXX several times as it is still showing on my credit report monthly as late and the balance increasing as well as " Charge off ''. I spoke with XXXX XXXX over a month ago and they said they had the letter that it was overlooked and it would be corrected in the XXXX of XXXX days. It has been over XXXX days and now I'm getting collection calls from XXXX XXXX as they received my accounts last Friday. I have filed disputes with Credit Karma and my credit company I work with. Nothing resolved! 

We went through XXXX XXXX and lost all of our belongings. XXXX filed bankruptcy and it went to the state fund. After XXXX  years, we just settled to be done! Even though we had to pay 40 % to attorney and public XXXX after not being made whole. 

This is harassment and is affecting my mortgage licensing in some states. Please get this resolved as it is affecting our new insurance costs and on and on!
Product: Debt collection

Recently Wakefield Associates placed a collection on my credit reports that is a result of stolen identity. I have contacted law enforcement about the issue and have also contacted the credit bureaus and creditors about the problem.I disputed the Wakefield account and furnished amy official police report but they still continue to verify the debt as mine when in fact it is n't because i was a victim of fraud. Even if the account was mine according to the FCRA and the FDCPA a collection agency can not verify anything but only validate. i 'm not questioning the validity of the debt but I 'm standing firm on the fact that I can not be held liable for something I did not do
Product: Credit card or prepaid card

XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX  by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees. 

On XX/XX/2022 at XXXX XXXX XXXX  : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''. 

XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due. 

I asked XXXX to have a Manager phone me and she stated that she would. 
No Manager ever phoned me. 

Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus. 

I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above. 

On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/2020, I had ordered accessories from a seller on PayPal. I spent a total of {$6100.00}. It is now XX/XX/2020, and I have yet to receive these products. Ive already contacted PayPal and they couldnt help me. The seller provided both PayPal and I tracking information for the products that show that the products were delivered to an address in NY, however, I live in Massachusetts. My PayPal account also lists my address on it. I do not live in New York.
Product: Money transfer, virtual currency, or money service

I accidentally sent money to somebody and money was never returned.
Product: Vehicle loan or lease

I am past annoyed with Santander and their practices. They are damaging my character by reporting a repossession on my credit reports. They claim the vehicle was sold and the debt was charged off but I am still getting calls from them demanding payment. I know that charged off means they wrote it off as a loss and probably were paid on an insurance claim AND the sale of the vehicle. Also, I was not sent a 1099-C for this charged off debt which I'm ready to contact the IRS and report their fraud. I'm tired of the harassment and violations of my federal rights.
Product: Consumer Loan

The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

There are several accounts listed from XXXX XXXX that according to the IRS publication XXXX # XXXX should be listed as income. There are also violations of the FCRA 15 U.S code 1681 ( A ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These accounts are being updated on a monthly basis even though they became income in the month of XX/XX/XXXX. The accounts in question are : Account name : XX/XX/XXXX Account number : XXXX Account type : Revolving account Date opened :XX/XX/XXXXStatus : Charged Off Date Charged Off :XX/XX/XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name :XX/XX/XXXX Account number : XXXX Account type : XX/XX/XXXX account Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$1200.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Overdraft Date opened : XX/XX/XXXX Status : Charged Off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$4900.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$2000.00} Account name : XX/XX/XXXX Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Status : Charged off Date Charged Off : XXXX Date Last Reported : XXXX Balance : {$11000.00}