23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took a {$5500.00} federal student loan last year that was disbursed XXXX XXXX sent a payment of {$1600.00} to EdFinancial that was recorded as accepted by the financial institution at the beginning of XXXX XXXX. This was during a big switch of loan servicing systems, and it never showed up on my account. I called about it in early XXXX XXXX  and was told by a representative that the payment was received and that it should show up on my account soon. When it didn't, I called again in the next month or two and they said that they saw that it was received and that it should show up on my account within 5 business days. When it still didn't show, I called again and they said that they would put it on emergency status and that it should show up on my account in the next 5-10 business days. I called on Monday XX/XX/XXXX, and the call mysteriously dropped right when I started to explain my situation. I called back immediately and requested a call-back but never received one. 

I called again on Friday XXXX XXXX XXXX XXXX said that she didn't see the payment but that there was a request for proof of payment ( which nobody had ever told me about ). I sent that proof of payment then called the same day to see if it went through. I was told by XXXX that she saw the uploaded document but that it would take up to 41 days for it to be processed. On XX/XX/XXXX, I called for an update and was told by XXXX that it would take 12 business days for the finance department to scan the uploaded document. Then on XXXX XXXX I received a call from EdFinancial which I was unable to answer. I was also sent an email that was not personalized to my situation but that sounded like they wanted more information. I contacted XXXX to get a check-trace and uploaded a PDF of the check trace from XXXX to EdFinancial on XX/XX/XXXX. I allowed the previous XXXX business days for the finance department to scan it before following up. I called on XX/XX/XXXX and talked with XXXX. She said that she got in contact with someone who asked when I sent in both the receipt ( proof of payment ) and the check trace. At the end of the call it was determined that they had received proof of payment. I allowed time for it to process and called back on XXXX XXXX  where I spoke with XXXX. She told me that research was submitted on XXXX XXXX, but there were no other updates. 

Nothing has been resolved in over 8 months of following up on this payment. I currently have the money to pay this loan off the moment this is resolved, but I am being forced to hold back on making that payment until the {$1600.00} shows up on my account. If I make the remaining payment now, It will result in me missing a payment deadline which will negatively affect my credit score. Because of this delay on EdFinancials part, I am being charged interest which I wouldnt have been charged if this was taken care of on one of the several times they told me it should be taken care of.
Product: Student loan

EVERYONE SHOULD CHECK THEIR PROMISSORY NOTES FROM MOHELA ASAP! 

IN THIS MATTER, MOHELA IS REFUSING TO HONOR PAYMENT TERMS ON THE PROMISSORY NOTE AND CONTINUES TO OVERBILL. 

Paragraph 6 : Minimum Repayment This provision is clear and unconditional, stating : " Notwithstanding paragraphs 3 and 4, I agree to pay at least {$50.00} per month or the unpaid balance, whichever is less. '' The phrase notwithstanding paragraphs 3 and 4 indicates that this minimum repayment clause takes precedence over the standard repayment terms and the graduated repayment option. It creates a safety net to ensure that the borrower is not required to pay less than {$50.00} per month unless the balance itself is under {$50.00}. 

NOTE : PROMISSORY NOTE IS INVALID, AS IT SAYS ATOP THE NOTE. WHILE THE INVALIDITY IS BEING HANDLED, THEY ARE STILL IN BREACH OF CONTRACT RE : THE {$50.00} MINIMUM REPAYMENT THAT IS DEEMED ACCEPTABLE BY THE PROMISSORY NOTE.
Product: Credit reporting or other personal consumer reports

Today, I reviewed my credit report and noticed several hard inquiries that I did not authorize. It appears these inquiries are related to automotive loans. 

These are the hard inquiries companies : Inquiry : XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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, credit repair services, or other personal consumer reports

I have filed several requests for XXXX  XXXX  and Transunion to remove a fraudulent item from my credit report under the name of XXXX XXXX  XXXX  and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  XXXX  and Transunion  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX  XXXX  and XXXX  XXXX  XXXX XXXX and Transunion clearly stating that I did not open or authorize any account from XXXX XXXX  XXXX  and XXXX  XXXX  XXXX. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account
Product: Debt collection

I went to apply for an apartment and was denied due to my credit. I checked my credit online and discovered that I had a collections on it from NATIONAL CREDIT SYSTEM for {$8300.00} that was opened on XX/XX/2019 on behalf of XXXX XXXX XXXX XXXX. I called to inquire and was told that this was for an apartment complex and that I owed the money for rent. I never lived at this apartment and have no knowledge of this debt. I provided proof to the apartment complex that I did not live there by providing them with payment history from the apartment where I did actually reside during that time period. I have a perfect payment history with all of the apartment complexes that I have resided at. I do not know where this debt came from. The apartment complex said they could not help me as the debt had been turned over to a collections ageny ( National Credit System ) I subsequently sent a certified letter to National Credit System asking for proof that I owed this debt and also sent them proof of where I was residing during that time period informing them that this was not my debt. It is my understanding that by law, they have to provide proof that I owe the money. They have not responded to my request and it has been nearly 60 days. I also tried to dispute this on my credit with each of the 3 credit bureaus but so far only XXXX has removed the collection. I need to get this off my credit and am hoping you can help!
Product: Credit card

On XX/XX/2016, someone opened up a Credit Card with Amazon/Chase. It was not me but they hacked Amazon and stole my information. I received it at my home, but they had used my old address. I contacted Chase and was informed that Amazon/Chase had had a security breach and XXXX account information was stolen from Amazon. They also stated that they are dealing with 100's of Consumer's that are having the same issue I am. I contacted Amazon who to their knowledge knows nothing about their security breach and were not very helpful. I am now a victim of Identify Theft.
Product: Credit card or prepaid card

Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.
Product: Debt collection

Debt was for ambulance services on XX/XX/XXXX. I was notified of this by collection agency, Phoenix Financial services on XX/XX/XXXX. I was never billed by the original creditor, XXXX XXXX XXXX and all other providers were paid by my insurance. I verified with an attorney that the statute of limitations has expired. I notified Phoenix Financial, as well as the 3 credit bureaus, as this is now on my credit report. I also notified the CA Attorney Generals office, as Phoenix Financial states in their disclosure that their license is pending in California.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. since this is not my information and accounts has been reporting since 2013 as showed on the attached identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts on my FTC report that will be attached. this is a serious concern and my rights are being broken under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference.
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXXXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX Transunion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

i wrote, called and worked with representatives regarding my loan modification with XXXX  that i did not receive my modification in XX/XX/XXXX after paying three trial payments XXXX, XXXX, XX/XX/XXXX ) all documented to XXXX and Nationstar. 
Still looking for resolution all these years and correspondences, Mr. Cooper responded with their letter to me dated XX/XX/XXXX. 
CASE NUMBER : XXXX the letter details that I withdrew my modification in XXXX of XXXX and thats why my modification was denied. I HAVE DETAILED RECORDS OF IMPLORING those reps i was dealing with or on phone with to get me the modification. that i was waiting for it after my payments were directly taken by XXXX. in this correspondence of XX/XX/XXXX they included a letter from XXXX - stating that I withdrew my modification! I was calling looking for my modification IN XXXX and XXXX and again in XXXX -- -where was this letter then? 

ALSO IN this correspondence is the Nationstar mtg letter to me stating they are taking over my mtg and that they are charging me $ XXXX in interest {$900.00} in fees and $ XXXX in escrow advances. 
NONE OF WHICH I WOULD OWE IF MY LOAN WAS MODIFIED AS I WAS TOLD IT WAS BEING MODIFIED BY BOA IN XX/XX/XXXX. 
I WAS FIVE PAYMENTS BEHIND AS OF XX/XX/XXXX, WHEN I MADE MY FIRST TRIAL PAYMENT XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX TO XXXX. 
FIVE PAYMENTS OWED AS OF XX/XX/XXXX. 
MY REAL ESTATE TAXES WERE ON TRACK BECAUSE I PAID THEM UNTIL ENTERING INTO THE MODIFICATION! 
TAXES WERE UP TO DATE THRU XX/XX/XXXX! 
I NEED MR COOPERS OFFICE OF THE PRESIDENT AND CEO TO CONTACT ME DIRECTLY TO GO OVER THIS LOAN. IT TOOK NATIONSTAR THREE YEARS TO APPROVE A LOAN I WAS ALREADY APPROVED FOR MOD AND DONE XX/XX/XXXX. FIVE PAYMENTS BECAME 50 AS indicated in the letter. mr cooper also sent me the details of the payments they received, charges, WHAT INTEREST WAS I CHARGED? i see from the onset XX/XX/XXXX $ XXXX plus fees. NATIONSTAR would NOT ALLOW ME TO CONTINUE TO MAKE PAYMENTS ... THEY SAID I HAD NO LOAN. IT WAS A BAD LOAN AND I WASNT GETTING APPROVED! 

i should not be charged for the three years NATIONSTAR took to offer me a modification i was up to date on my real estate taxes thru XX/XX/XXXX. 
XXXX transferred my loan to NATIONSTAR and NATIONSTAR ignored my pleas for three years, adding to EMOTIONAL, PHYSICALLY DEBILITATING AND FINANCIAL STRESS. 
MY CREDIT WAS RUINED. I would like to talk to someone about removing the missed payments from my credit, i paid every month other than the five missed and would have continued to pay and asked continually for someone to take my payment, i have it documented! The bank took over my r/e tax payments when i did the modification, no longer allowing me to pay for those, i should only be charged for the taxes and house insurance payments the bank made, pls help. XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from Carvana, trusting their advertised XXXX inspection and XXXX warranty through XXXX. Within the first 30 days of ownership, I encountered several issues : First Issue ( XX/XX/XXXX ) : One hour after purchase, a part of the undercarriage fell off and scraped the ground. The mechanic identified it as a broken oil access panel. 
Second Issue ( XX/XX/XXXX ) : One week later, the tail light was cracked. XXXX honored the repair. 
Third Issue ( XX/XX/XXXX ) : The car began shaking during acceleration. The mechanic discovered unaligned tires. While partially addressed, the shaking persisted. 
Fourth Issue ( XX/XX/XXXX ) : The car continued to shake, requiring another mechanic visit. 
During these visits, the mechanic discovered severe rust on the undercarriage and brake calipers, compromising the vehicles safety. This rust was not disclosed in the XXXX inspection, which Carvana certified as complete. Additionally, the XXXX report provided at the time of sale did not mention this structural rust. 

XXXX has denied warranty coverage for addressing the rust, claiming it is " cosmetic, '' despite its potential to cause caliper or structural failure. I have paid multiple deductibles for repairs and alignment out-of-pocket, and these safety issues remain unresolved. 

I have requested detailed explanations from Carvana regarding their inspection process and from XXXX regarding warranty coverage, but neither has provided a satisfactory resolution. I am seeking accountability for these misrepresentations and proactive coverage for the rust-related safety concerns under the warranty.
Product: Credit reporting, credit repair services, 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 confidentially XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights to privacy 15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Product: Debt collection

I rented an apartment from XXXX for one year. XX/XX/XXXX - XX/XX/XXXX. Upon move out they kept my deposit and charged an additional {$700.00}. I never knew what the charges were for, and when I called the office because I had gotten a notice that it was in collections they would not talk to me. Now IQ Data is reporting as a collection, when it was never validated. I requested for receipts and proof that they did not replace carpet in all units upon move out, and I never received anything. I do not feel the charges are legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

Bank of America failed to send me my payment in the mail on my account ending in XXXX. I was late XXXX  months. I called them asking why i never received a payment. They lowered my available credit and charged me late fees when I called and told them I didnt agree to have my payment done on line. They just said sorry. This was an earror on them. I want my credit status fixed and refunded for the late fees. When I called about this issue I gave permission to have a payment taken out monthly but before this issue they were supposed to mail me the statement and failed
Product: Credit reporting or other personal consumer reports

I XXXX XXXX was experiencing identity theft, impersonating, dummy account online, unauthorized transactions with an apple watch. i don't own no apple watch and never have. The credit cards are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX account. All organized crimes that involves a corrupt government organization. Abusing my accounts and credit.
Product: Debt collection

I have private student loans through XXXX, and had been paying them through XXXX XXXX XXXX, until XX/XX/XXXX. My minimum amount was around $ XXXX/month, for all my loans, but I was paying {$500.00}. Around XX/XX/XXXX, I increased it it $ XXXX/month. In XX/XX/XXXX, my loans were transferred to Navient, and I was paying he same amount. On XX/XX/XXXX, I called Navient to try to reduce my payments to the minimum amount, since I couldnt figure out how to do it online. They told me that {$590.00} was the minimum! I asked to speak to someone else, and all she said was her manager came and looked at the screen and confirmed that the computer screen said {$590.00} was the minimum. I have been paying these loans since XXXX. I know that is not the minimum, because I have been paying $ XXXX/month for 8 years. Also, the easily accessible XXXX website showed me my minimum was around $ XXXX/month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XX/XX/XXXX {$73.00} XXXX XXXX XXXXXX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

closed acct when i have fico that is excellent due to non-use and I never rec 'd notification and not one person will assist me - been given run around since then and after a complaint I rec 'd a call from someone at chase. They left a voicemail saying they were investigating my case but would be on vacation from X to X. ( I kept the vm ) - why call me then and then be unhelpful??? I called her back despite this on XX/XX/XXXX and left a message. Never heard from this rep again but another that called while I was at work and left a message -- I called back left another message and never heard a peep since. I guess having excellent credit does not matter to banks. I honestly just don't get what you have to do anymore. I pay all my bills, keep my credit clean and am treated like a serf.