23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.
Product: Checking or savings account

I opened a personal checking account in Citibank on XX/XX/XXXX, XX/XX/XXXX me and a friend of mine went to XXXX XXXX  XXXX and my friend wired {$25000.00} as a loan to me to My checking account in Citibank. XX/XX/XXXX I found out that my bank account is closed and when I called they said its gon na take 30 days and I would receive a letter from the Citibank. Meanwhile the XXXX was coming and I needed the phones for personal agent matters I have not done anything illegal or anything wrong, I do not understand why they will be holding my phones for 30 days. I went to a branch in XXXX California and I showed all my documentations and credentials. The bank contacted the fraud department and their answer was the same that I have to wait for their investigation for 30 days. The account was not even a month old and I dont understand why the investigation of such a new account will take so long and my phones being on hold.
Product: Mortgage

I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Bank account or service

I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Bank of America on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is " a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the " risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.
Product: Credit card or prepaid card

on XX/XX/2020 i was informed by XXXX Bank of america that my account was makin purchases in an online gaming cite called XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

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

THIS ACCOUNT WAS DONE WITHOUT ME KNOWING THAT IT WAS FILED
Product: Checking or savings account

I got mail from Chase Bank they said they close my account and my Wife accounts. I called them need to talk in bank branches. They said they need to close the account with no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted XXXX in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with XXXX. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous
Product: Debt collection

XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit card or prepaid card

On XX/XX/2021 {$400.00} was transferred to an unknown account. I did not authorize the transfer and I do not know where it went. I filled a claim with Bank of America on XX/XX/2021, on XX/XX/2021 my claim was denied for an unknown reason. I am now trying to reopen my claim with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''
Product: Student loan

My original student loan was through XXXX XXXX in 2006. At some point it went to Navient. I have had several different payment plans with them to pay this never ending loan. I have paid way more than what the original loan amount was. On my credit report it shows up as several loans and several different charge offs. My most recent payment was set up as $XXXX/ month with no interest until the final $XXXX was paid off. I recently received a call from Navient saying I haven’t paid in forever and they need to set up another payment or pay in full. The lady on the phone was unreasonable and would not answer any of my questions.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1200.00} from XXXX XXXX in XXXX, Alabama in either XXXX or XXXX of XXXX. I pay {$250.00} a month on this loan. I have been paying it for a whole year now- never missed a payment and somehow they say I still owe {$920.00}. Interest on this loan is killing me. I have repaid the loan two times over now and by their record Ive only paid {$300.00}. There are no paper records available online because XXXX XXXX sold out and is now XXXX XXXXXXXX. Please help me. They are adding fees and interest to keep me in this loan. This is predatory and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the past few years to get my FREE CREDOT REPORT from all agencies .. EQUIFAX has NEVER sent me my free annual credit report, stating that " they don't have records of me '' .. all other companies " XXXX and XXXX '' have no problems at all and they have sent me my free credit report once a year every time I have requested it online. EQUIFAX has made me send them copies of my personal documents in several occasions and they still refuse to give me my credit report. This situation affects me terrible because even though I have credit cards and I have bank accounts and my credit score is in GOOD status, I can't even buy a car because most dealers use all 3 reports to approve the loans to buy cars. What legal rights do I have against EQUIFAX for having my identity in a Halt as they have??? Please help me urgently because I need to buy a car and move on in life. Life of an immigrant is already hard as it is, I don't need to have EQUIFAX terrorizing and sabotaging me financially. Thank you
Product: Credit card

A Chase credit card letter of XX/XX/2023 informed me that although I closed my credit card account with Chase on or about XXXX/XXXX/XXXX, when I paid that months amount due, I still have to pay a new annual membership fee of {$69.00} because Chase didnt close my acct until XX/XX/2023. Just because Chase waited until XX/XX/XXXX to close my acct, doesnt mean Im responsible for its tardiness. Attached is an earlier letter sent to Chase on XX/XX/XXXX reminding Chase to close the acct. It cites an even earlier letter sent to Chase on XX/XX/XXXX instructing Chase to close the acct. This one was certified and the XXXX search results presented in the first attachment show indisputably that Chase received it XX/XX/XXXX, yet waited until XX/XX/XXXX to finally close the acct. This certified mailing proves that Chase is very negligent about its correspondence. In the case above they waited 46 days to implement my request to close the account! Hence any claims that Chase received my first and second requests too late to avoid the annual fee should be disregarded Kindly refund my {$69.00}.
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 XXXX XXXX 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  has violated my rights. 

I viewed my Experian report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card

XX/XX/XXXX PayPal debit card was used to make a purchase for goods or services from XXXX XXXX in the amount of {$95.00}. I did not lose my card nor authorize thus purchase. I contacted them immediately upon discovering the fraudulent transaction and began the appeal for the charges. On XX/XX/XXXX PayPal informed me that XXXX XXXX had informed them that I had received a package and provided the following tracking number : XXXX This tracking number is from XX/XX/XXXX, not from any order in XX/XX/XXXX and not any order I have placed. I have contacted XXXX XXXX and PayPal repeatedly and they don't seem to have internal processes to resolve this issue and I suspect the fraud is coming from within. XXXX XXXX denies every shipping anything to me. I have screen shots of our discussion via XXXX  formerly known as XXXX XXXX after I took my issue there.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then XXXX. Experian reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.
Product: Mortgage

In XXXX of XXXX I started the process with Sunwest Mortgage Company for a refinancing. I submitted all forms requested on time by XX/XX/XXXX. They confirmed all was submitted. From that time to yesterday they continued to ask for additional information. Yesterday they requested a new survey of my home. The agent stated I was close to closing but would never give a date. I have a very high credit rating, equity in my home and long standing high paying job. I believe they never intended to give me a mortgage.
Product: Debt collection

Security Credit Services is stating they purchased a debt from a company called XXXX XXXX XXXX XXXX. Attempted to explain original creditor is XXXX. Security Credit services stated they are the same company but operate under a diffrent name. I asked them to provide a document that I signed but they said they couldnt do that unless I was starting a fraud investigation. Told them my uncle is an attorney and he stated under section 623 the debt collector and original creditor has to provide valid proof of said debt. 

I want to see a signed copy of the contract That shows my signature. Not a billing statement or any computed generated form. 
A signed documents with proof of my signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, XXXX XXXX XXXX, Equifax Dispute Center I am writing to dispute inaccurate information on my credit report. I recently received a response from XXXX and XXXXXXXX XXXX regarding an account that has been reported on my credit file. The information provided by XXXX and XXXXXXXX XXXX does not align with the information reported by XXXX, Equifax, and XXXX, and has resulted in discrepancies in the reported dates and amounts associated with the account. 

According to the response from XXXX and XXXX XXXX, they reached out to XXXX and confirmed that the account was assigned to a debt collector and settled for {$800.00}. However, the information provided by XXXX, Equifax, and XXXX does not reflect the same settlement amount or date. This inconsistency has significantly impacted my creditworthiness and has the potential to harm my financial standing. 

I am requesting a thorough investigation into this matter and urge XXXX, XXXX and Equifax to update the information on my credit report to accurately reflect the settlement and any other relevant details regarding the account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding this issue, as it violates the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 

Please find enclosed copies of relevant documentation supporting my dispute, including the response from XXXX and XXXX XXXX  and any other pertinent information. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the inaccurate information from my credit report. 

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

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX.
Product: Debt collection

I never signed an agreement with this company to file a service or pay any debts. I have no knowledge of this account.
Product: Checking or savings account

The date of deposit made in my account was XXXX of XX/XX/XXXX, the amount of deposit made into my account is {$120000.00} ( XXXX XXXX XXXX dollars, XXXX cent ) . I tried making a withdrawal from my account and my account was restricted from making and form of withdrawals. I contacted capital one bank with on the number displaying on my online banking platform, saying call us to resolve the issues and explaining the issues with them. The responds I get getting is, they are investigating the issues and will get back to me with a cashier check when it's resolved. Till date my money is still in my account and they keep posting interest to my account every month, since the XXXX of XX/XX/XXXX. XXXX of XX/XX/XXXX will make it exactly 1year.
Product: Credit card or prepaid card

OnXX/XX/2019 XXXX notified us that they were reversing the following charge on our BECU Visa credit card : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX WA {$460.00} ; WE HAVE NOT RECEIVED THE ASSOCIATED CREDIT TO OUR BECU VISA ACCOUNT as of the date of writing. We have contacted BECU customer support regarding this missing credit on several occasions. BECU has been unable or unwilling to correct the issue. 

We have contacted customer support at XXXX and their payment processor XXXX regarding this issue on multiple occasions. XXXX and XXXX confirm that the credit has been provided to our BECU Visa account. XXXX and XXXX have given reasonable evidence that they have implemented the credit in the form of the following details for the credit : Date of Credit : XX/XX/2019 ; Amount of Credit : {$460.00} ; Visa Card Account Number ( last 4 digits ) : XXXX ; ARN of Credit : XXXX ; It appears to us that the Homeaway-XXXX have validly provided the credit to BECU and that BECU has not posted the credit to our Visa account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable items. 
XXXX XXXX XXXX Balance : {$140.00} and XXXX XXXX XXXX Balance : {$0.00},
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquiries that I do not recognize. Please remove these inquiries off my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX