23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Per the information and accounting provided on Navient 's website, all of the private student loans are paid in full and have a XXXX  balance. It is imperative to note, that Navient has told the DOJ in writing that the account information on their website has been corrected and now reflects accurate information. This is already logged with the CFPB in a previous complaint. 

The attached proof has the date, when the information was accessed, highlighted in the top left corner to show that this is current and being provided by Navient as of XX/XX/XXXX. Navient confirmed on XX/XX/XXXX that all of the information was now corrected. The website is the only way for a consumer ( me ) to review their account information, and is a reflection of the paper statements one may opt to receive. 

However, Navient is still requesting payment for loans that are paid in full. The attached is proof of Navient 's accounting that shows each private student loan has a XXXX  balance. I have highlighted where each loan shows a XXXX  balance owed. However, Navient continues to report erroneous balances and solicit payment through their billing. The most recent billing statement received from Navient was received on XX/XX/XXXX is also attached. 

After the loans had a XXXX  balance - Navient, sometimes years later - engaged in " loan sales '' and then added new balances to my account without any authorization or permission. 

All of these loans had XXXX balances that were reported for months and years per Navient 's accounting - which any reasonable person or entity would say as to be acknowledged and accepted. A company can not report a XXXX  balance owed for multiple years - and then later create a new balance for a customer without any new or additional services being rendered. 

All of the accounting information that shows XXXX  balances was created by Navient and provided by Navient - since this the accounting they have provided for years, there is no reasonable or legal explanation why it is not being acknowledged by them. 

I would like Navient to : ( 1 ) acknowledge the XXXX balances they've reported ( 2 ) declare all of the private student loans as paid in full ( 3 ) cease all further billing activity
Product: Credit reporting or other personal consumer reports

CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS EXPERIAN XXXX XXXX, I HAVE NO KNOWLEDGE OF THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I was the victim of identity theft. I filled out an affidavit, police report and I filed disputes online and with the original creditor requesting proof of the accounts. I was NOT provided any proof and the credit reporting bureaus did not remove the items. I have asked repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with American Express called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by American Express that I should keep this card for 12 months before I apply for a different card and now I have this card for 1 year and 8 months and I have applied for different card to give me benefits and American Express still declining my application American Express keep lying to me as I have sent a complaint before to cfpb and American Express replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for American express blue cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because American Express likes me to keep the card I have because they charge me annually for it.
Product: Credit card or prepaid card

Issue : I booked travel through Chase XXXX XXXX program through chase.com website to redeem rewards - Chase sold a ticket which can not used. Chase is not able to take back the product. 

The sequence of events : XX/XX/2017 : Booked ticket for XXXX year old from XXXX XXXX XXXX. Got email confirmation. 
See attached. 

XX/X/2017 : I called Chase to confirm regarding {$150.00} fee to Airline for XXXX XXXX program. 

XX/XX/2017 : I called Airline to pay the fee. Airline declined stating that unaccompanied minor can not travel alone on connecting flight.

XX/XX/2017 : I called chase to refund the money since they sold a product that can not be used. Chase declined to help and said that buyer beware. This is clear cheating the customers of selling a product that you are NOT allowed to.
Product: Checking or savings account

On XX/XX/2020, I opened a checking account with Suntrust ( now Truist ) at a branch location in XXXX, Georgia and deposited a check for {$2500.00} from XXXX XXXX, XXXX made out to me. 

On XX/XX/2020, I received confirmation that {$2500.00} was transferred from XXXX XXXX to my Suntrust account. 

On XX/XX/2020 I tried to check my account online but was denied access to the account. I called Suntrust and was informed that the money was debited and would be refunded to me 15 days after the account was closed. The customer service agent confirmed my address for the refund check. I did not receive a refund check within 15 days. 

On XX/XX/2020 I spoke with another Suntrust representative who told me the check was issued and sent to my residence but would not confirm the address. I did not receive the check. 

On XX/XX/2020 I met with a Suntrust XXXX XXXX ( XXXX, GA ) customer representative and inquired what was going on and how to recover the money. They now informed me that the account was closed due to fraud and that the money would only be released through " reclamation. '' They would not provide any reason as to why fraud was suspected. 

On XX/XX/2020, I spoke with XXXX in Suntrust 's Fraud Division. She was also unable to provide any information as to why my account was closed or where the money was. She then informed me that Suntrust would need to remit the funds to XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). She suggested that I contact XXXX XXXX and have them instruct XXXX XXXX to request a reclamation of the original check to speed up the process. She also stated that Suntrust was still investigating the account and could not provide a timeframe for resolution. I do not understand why Suntrust would freeze my account if they are still investigating potential fraud, as they claim, and have not made a determination that there is fraud. 

I spoke with XXXX and she requested XXXX XXXX request a reclamation. XXXX XXXX informed me that the reclamation was processed on XX/XX/2020. However, to this day, XXXX XXXX bank still has not received the money from Suntrust. To this day, I still do not have my {$2500.00} or any answers from Suntrust. 

I am a retiree and I am sorely disappointed in the lack of transparency and information about this process. As a retiree, I am living on a budget. While {$2500.00} may not be a large sum to many, it is a significant amount for someone in my position. 

I would like an answer and I would like my money back.
Product: Checking or savings account

XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE RE-INSERT THE FOLLOWING ACCOUNTS BACK ONTO ALL CREDIT XXXX/XXXX, XXXX BOTH XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit card or prepaid card

My XXXX credit card was switched from XXXX  XXXX to goldman sachs XX/XX/2022. I received notices by text and email late XXXX and early XXXX of suspicious activity on the account. XXXX I tried to call to report the card stolen and the purchases on XXXX as not mine. The call took over 2 hours. I had no success having the purchases marked as fraud. I also tried to cancel the account. In addition, I set up the new account with goldman sachXXXX XXXX XXXX to try to report the card stolen, the purchases as fraud and to cancel the account. The website is not operational yet to complete the 3 tasks. I also tried their chat box online. As with the phone and website, the chat box is also not operational.
Product: Debt collection

National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.
Product: Mortgage

In XXXX 2015, my mortgage servicing company, Stonegate Mortgage, sent me correspondence stating that they did not have proper insurance on file for me. I called them stated that XXXX was my homeowner 's insurance agent and that I would get them the documentation, and asked where to send it. The representative I spoke with told me that it was not my homeowner 's policy that was needed, but the policy for the homeowner 's association. I obtained that from my homeowner 's association president and provided that electronically to the email address the Stonegate Mortgage representative told me to, which was XXXXXXXXXXXX on XXXX XXXX, 2015. I received a same-day automated response that that address had received what I sent, on XXXX XXXX, but that it was being reviewed. Then I received an additional email with " secure messaging '' which requires you to go to a different website, and log in to view secure messaging. There was nothing there. So I called and the representative said that they were still reviewing my insurance document. So I thought everything was under review and would be taken care of. In XXXX, I received another message that my insurance information was missing. So I sent it in again on XXXX XXXX, 2015. Again, I received a response that they had received the document and it was under review. I then received another " secure messaging '' request, which produced no results. So I sent them a message saying that I can not receive this type of message so they would know that their system is broken. Then, I started seeing a " lender placed '' hazard insurance fee on my mortgage bill and a notice that my payment would increase from the normal {$320.00} to {$490.00}. I have attempted to communicate with Stonegate Mortgage on multiple occasions, but they refuse to update the information. This is an unethical, predatory company which sees my small mortgage as nothing more than an annoyance that they can not make much money on. So they are attempting to raise my mortgage by exercising a " lender placed hazard insurance policy '' which is not necessary. I 'm so exhausted from arguing with this horrible company. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of labor trafficking, and as a result, my credit has been severely affected by fraudulent accounts that were opened and used without my knowledge or consent. I am requesting the immediate removal of these accounts from my credit report. 

During the period in which I was trafficked, I was under the control of individuals who exploited me and used my personal information to open and misuse various accounts. These actions were taken without my authorization, and I have since escaped the trafficking situation and am working to rebuild my life. 

The fraudulent accounts associated with my name have caused significant damage to my credit standing, which continues to hinder my ability to move forward and recover from this traumatic experience. I am asking for your urgent assistance in rectifying this matter by removing the following accounts from my credit report.
Product: Checking or savings account

On XX/XX/2021, my phone was stolen with my debit card in the phone case. I am mediately reported this to capital One to ensure that my debit card and account was locked due to the nature of my information being compromised. A few days later I started to notice unauthorized transactions and fraudulent checks being deposited into my account. I followed up with capital one which they then froze my account and assets and said they opened up a claim. My account has always been in great standing, I have always had funds in my account and I have never even deposited a check into this account. The transactions that were unauthorized were at merchants Ive never even used before. I live in Arizona and the transactions took place in Texas and Illinois. Capital one denied my claim. And also close my accounts because of the nature of the situation. I am mediately submitted an appeal along with a fraud and identity theft report from the FTC. About a week ago capital one sent me a letter denying my claim due to the fact that my account was authenticated. They even included a report that shows that authentication took place in Texas and in Illinois and I have been to neither of those places. I lost about {$7000.00}. My entire savings. Capital one will no longer answer my emails and keeps informing me that there is nothing they can do. Only was I proactive about the situation but I am very frustrated and cant even pay my rent this upcoming month.
Product: Debt collection

Ive return there calls an told them in the beginning we do not want to use the internet to pay our bills cause our bank account have been hit before with hackers not risking that again. Was working fine in the beginning with them. Just recently Ive been getting calls an ive talked with them an have asked why is my bill coming in late they said they have no control on that well its coming in 2 days before its due we will still call an hangs up but they want additional payment now thats not fair theyre making me late on payments
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update and correct the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 4 student loans from XX/XX/XXXX, XX/XX/XXXX and ( 2 ) XX/XX/XXXX on my report as in Bankruptcy. This information is incorrect, the account should show XXXX balance paid in full. 

I've contacted Nelnet who informed me that the information they reported in a XXXX   balance and paid in full. XXXX  is reporting false information. This information is being reported and adverse information on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I have reviewed my credit report and noticed several inaccuracies that are affecting my ability to get credit. I understand that you will investigate the following account to ensure its accuracy. Here is the account that i am asking you to verify and validate. 

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

Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.
Product: Student loan

The date is XX/XX/year> and the amount is $ XXXX {$1300.00}. This college has permanently closed. These should be closed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy and remove It from my credit report. 
Creditor has sued me in court and Judge has dismissed the case. 
Please review the case number bellow Case # XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX
Product: Student loan

I have requested to release my cosigner for the last three years to no avail, even though I have followed all of their requirements and met their terms including two years of on-time payment and credit score. When I was denied the first time, they told me I had all of the information and on-time payments, but did not have the credit score. When I asked what the credit score needed to be, I was told that she did n't know and could n't tell me. The second time I was denied, I was told that I had late payments, even though I did not. I was then told I did n't have the credit score, though my credit score had increased by XXXX points. The third time, the customer rep told me she did n't understand why I had been denied the XXXX previous times and I should have been approved, but she would get back to me. I never heard from her again. I am submitting another request on XXXX. I have also requested to have late payments removed from my credit report as I was not late on several months listed - XXXX and XXXX. I was supposed to have a forbearance that they made me take. Additionally, I asked for other options other than forbearance due to unemployment and was told I had no other options.
Product: Mortgage

This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/18, I sent a certified letter to GM Financial asking them to validate and verify debt they are trying to collect on, with a copy of original signed contract. As of XX/XX/18, I have not received any validation from GM Financial, they have updated this account with credit bureaus as verified.