23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was struggling to make payments with Navient, and getting bombarded with phone calls saying that a payment wasn't made. I would say a payment was made on this day and they would say sorry give a 24-48 hours to show up for us, this would happen a couple times a week. I would go online and see fees and have no idea where they came from, my account would show not current while payments were being made. While I would get these calls telling them a payment was in fact made, I would say this is really hard, I need my payments lowered. I was told by a representative that they didn't want to insult me on how to make my payments. I couldn't take the phone calls, or the struggle, or just the rudeness of the employees anymore so I missed a couple payments. In XXXX, I was told that no one worked hard enough to lower my payments and infect my interest rate could have been lowered. I was distraught because this has been a struggle, I had a baby 10 months ago so I had this added expense as well. I was asking for a contract saying that this is what my payments would be if in fact my interest rate could be lowered and was told they can only do this verbally and also if my debit card was on file. After everything I did not want to have an automatic payment from this company. I have been trying to get an attorney to help me deal with them and I can not find one that is willing to take me on, one in my budget that is or deal with this company. Two attorneys said that they do not deal with Navient. I just want to pay back my loans without being insulted or depriving my daughter of things that she needs and being able to pay my other bills.
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 confidentiality under 15 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # 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.

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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to retrieve my Equifax free weekly credit report through " FTC Free Annual Credit Report ''. 

Equifax is not allowing me to pull my credit report in contradiction to FTC 's intent. In addition, I have been the victim of multiple credit breaches ; including, two OPM breaches and two EQUIFAX breaches. 

I had previously filed a complaint because they reduced my score by XXXX points in retaliation of a previous complaint. I have prepared to turn that matter over fir legal action after the holidays. This situation here is not related to that matter and is specifically regarding Equifax denying me access to my credit file. 

They continually mail letters, pretending that they need to verify my identity to justify their actions in causing me anguish, mental distress, and negative credit impact. I am able to easily pass their security by answering valid questions related to me and they are 100 % sure of my identity. 

I need to be able to pull my report immediately. They fo not have 60 days to investigate. They have 48 hours. 

Thank you.
Product: Credit reporting or other personal consumer reports

I sent XXXX a debt validation letter and they were unable to provide me with validation I will attach what XXXX sent me this is not a debt validation please delete from my credit immediately they have not provided me with a contract with my signature
Product: Payday loan, title loan, or personal loan

We obtained a lease from XXXX through a company called XXXX or XXXX. We were advised that we were able to payoff our refrigerator with 10 biweekly payments of {$140.00} which would total the amount of the refrigerator of {$1400.00}. We were not advised that we would have to pay an additional payment of for a 90 day buyout in XX/XX/XXXX. At the beginning of the lease we sent 3 emails that went unanswered and attempted to contact them via phone as well with no response. Now we are being told that in order to payoff our refrigerator we would have to pay an additional {$900.00}. When I asked to speak with a supervisor to resolve the issue I was hung up on. We really feel taken advantage of by not only the leasing company but the salesperson at XXXX at well. My family made sacrifices for the 10 payments because we knew it would not be for an extended time period. This was a Christmas gift for my fiance and I am extremely disappointed at having to continue with these payments. We are hard working people and this is unfair. My fiance took a refrigerator from the XXXX XXXX and intentionally looked for one that was not too expensive. I do n't feel this is fair. I feel robbed! 

Also, the company took a partial payment in XXXX. We were not certain as to why but now we feel it was a part of their plan to try and scam us anyway.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several times I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX; XXXX XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX ; XXXX, XXXX, XXXX; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$62.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX. XXXX XXXX ( Original Creditor : XXXX - XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' XXXX XXXX FIN Account Number : XXXX XXXX Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My fathers 401K was distributed back in XX/XX/2022 to XXXX XXXX and then when XXXX XXXX moved to Charles Schwab Bank the money never transferred. I was told that the amounts had been distributed and that they would transfer to Charles Schwab Bank but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XX/XX/2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XX/XX/XXXX/XX/XX/XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Product: Credit card

Citibank, N.AXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed my ATT Universal Master Card account without my consent. 
Less that 90 days after I turned XXXX  years of age, my account was closed for " account inactivity ''. 
I am a Charter Member with ATT Universal Card since XXXX. The account is, and has always been, current. 
I have been in constant contact with Citi, by phone, and online chat, to have this account reopened. Citi has been unresponsive, except to say that they are reviewing my request to reopen my account XXXX  days ago. 
" Account inactivity '' is not listed as a " reason for closure '' of an account. 
" Account inactivity '' comes under the " for any reason, or for no reason '' provision of their contract. 
Therefore, something must trigger the " for any reason, or for no reason '' provision. 
My assertion is that my age triggered the " for any reason, or for no reason '' provision. 
There is no other reason, except possibly the fact that I am a XXXX American Veteran. 
Citi 's decision to single out my account for closure because of my age has caused great inconvenience and distress for me and my family. 
Your assistance in reopening this account is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Request for Blocking under 15 U.S.C. 1681c-2 ( a ) Dear Sir or Madam, I am writing to formally dispute and request the removal or blocking of fraudulent accounts and negative items on my credit report. I am a victim of identity theft, as well as the recent data breach involving XXXX. The following information on my credit report does not belong to me and is the result of fraudulent activity : All accounts dated XXXX  and prior, seen attached court order ) and more recent fraudulent accounts, include more recent credit cards I never knew existed, they were opened by my ex wife XXXX XXXX XXXX years after we were divorced. I am also attaching fraud charges I have against her, I also demand the address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX be removed as she fraudulently changed my address with the IRS to tha one I never lived at a single day in my life be removed. Attached is the form I sent the IRS correcting that as that address was added without my permission and tied to her debts!

Under 15 U.S.C. 1681c-2 ( a ), I am requesting that Experian block this information from my credit report. Enclosed are the following documents to support my claim : A copy of my Identity Theft Report filed with law enforcement agency or FTC.

A copy of my government-issued ID ( e.g., drivers license ). 

A copy of my credit report with the fraudulent items highlighted. 

I expect Experian to comply with federal law by promptly investigating this matter and blocking the disputed items from my credit report. Failure to do so may result in legal action, including seeking compensation for damages caused by negligence in protecting my personal data. As not one single debt has been properly validated through me, I have not once received any correspondence from Experian about any of these debts. 

Please confirm in writing once these items have been removed or blocked from my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX. Identity Theft Report 2. Proof of Identity ( e.g., drivers license ) 3. IRS address correction
Product: Credit card

In XX/XX/2016 I submitted XXXX payments to my Citibank Credit via a Citibank branch for a total amount of {$3000.00} with XXXX {$1000.00} travelers ' checks payable to Citicards. The payments were rejected and I immediately followed up with another payment. I was originally informed that the issuer did not pay the funds and that the checks would be returned. I waited a couple of weeks and when I called Citicards again I was not given a clear answer on when I would be receiving my funds back. I was bounced around different departments with no result. I followed up the Traveler 's Check issuer ( XXXX ) and I was informed that the reason that they did not pay the instrument was because Citicards ( Citibank ) failed to properly endorse the checks and that if they do not have the originals, they were supposed to by federal law to provide me with legal copies. I contacted Citibank again and relayed this new information. I was informed that Citibank destroys checks received as part of their process and I once again voice my concerns regarding my missing funds. I was again bounced around different areas until I got to Citibank 's Executive Response Unit office where I was assured I would receive help. I was informed that they could not provide me the funds or legal copies because they never cashed the traveler 's checks. I informed them that the reason that the checks were rejected was because Citicards failed to process them correctly with the proper endorsement. The issuer XXXX representative is requesting a letter from Citibank or Citicards explaining why they did not properly endorse the checks and why they are unable to provide legal copies before they can take any additional steps. I provided all this information as well as the XXXX Rep contact information and I have not heard back from them in more than 2 weeks. I have sent repeated emails for an update and have left my Citibank case workers ( XXXX XXXX and XXXX XXXX ) multiple messages with no response. Please assist me, it has been over 3 months now and I have lost {$3000.00} due to a Citibank error and they are not providing any viable solution. 
Contact Information : Me : XXXX XXXX, XXXX Citibank Executive Response Unit email XXXXXXXXXXXX Case Workers : XXXX XXXX, XXXX and XXXX, XXXX
Product: Debt collection

I never had opened a XXXX XXXX XXXX XXXX  account im XXXX. I have proof I havent had an account with at $ t also I have a credit credit card on my account that I never had.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

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

I had my id and ss stolen and i called the police first then i called the credit company 's XXXX Experian and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well Experian said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called XXXX they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response from XXXX reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against XXXX for reporting illegal information on my report under federal law. This demand also goes for TRANSUNION and XXXX as well. 
I demand a reinvestigation of unverified accounts under federal law. 
XXXX 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: Checking or savings account

I went to purchase a dog through a website at XXXX and it was fraud. When communicating with the guy who was selling the dog he told me the dog was XXXX. He told me to purchase the dog I need to make a payment through XXXX. After I made the payment he told me the dog will be delivered the next day. The next day I received an email saying he needs more money for a " special '' crate otherwise I cant get the dog. He told me the special crate ranges from XXXX - XXXX. I told him he's lying and that this is fraud. When I called chase on XX/XX/2021 explained to them that the purchase for XXXX was fraud chase said theres nothing they can do. I called my local police department regarding this and they told me to contact my bank to let them know this was fraud. I have also reported this incident to the Federal Trade Commissions. Not to mention the website is gone and the guy I was dealing with is no longer responding to me. Additionally, I have called XXXX to let them know that the XXXX transaction was FRAUD, XXXX told me to contact my bank to dispute the transaction. I called Chase again on XX/XX/2021 explaining the situation AGAIN and that XXXX told me to contact them about this. Chase response was " There's nothing we can do, you authorized the transaction ''. Here I am being honest telling Chase this is fraud and they keep telling me " theres nothing they can do ''. Nice company!!! I asked Chase why didnt they contact me knowing that an XXXX dollar charge in my checking account went through which chase approved. Chase 's response was " We are not going to verify every transaction on your account ''. Ok but if a tranasaction for over XXXX that was done through XXXX taken out of my checking account shouldnt Chase question it???? I was involved in Fraud and all Chase is saying is THERES NOTHING THEY CAN DO. This was fraud!!! I am asking for Chase to put the XXXX back into my account considering this was FRAUD. 
I have the emails, a phone number, and text messages that were between me and the guy that was selling the dog.
Product: Credit reporting or other personal consumer reports

I review my credit report and found this inquiry from XXXX XXXX and this is not made by me, inquiry date XX/XX/year> XXXX
Product: Credit card or prepaid card

Order XXXX XXXX, 2017 Product : Monthly software subscription service Amount : {$160.00} per month Status : Working software subscription service NEVER delivered. 

Actions : By me - filed fraud claim with Bank of America By BAC - none known