23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX I filed for bankruptcy and Navient Solution- was included in the bankruptcy. I have my student loans with XXXX, who is the official servicer of Federal student aid, and during bankruptcy they were placed in forbearance until my bankruptcy plan was complete. I completed my plan in XXXX and I have worked with XXXX to consolidate all of my direct subsidized and unsubsidized student loans, submitted the PSFL paperwork, and applied for the SAVE repayment plan. However, in XXXX XXXX of last year, I started receiving paperwork from Navient- stating that my loan was past due. It was my understanding that all of my loans have been consolidated or discharged in the bankruptcy. I received a letter from Navient in XXXX, dated XX/XX/XXXX, that states they received notification that my bankruptcy case has concluded and that I am now responsible for the remaining balance of the loan, according to the promissory notes. In the same letter, there was also another letter that stated the loan was placed in forbearance ; however, I did not submit any paperwork requesting a forbearance from Navient. One that document it states that I agreed to repay the loan after the forbearance period expires- However, I did not submit the request, nor did I agree to the terms. Navient started calling my phone day and night leaving messages that my loan was past due. I reached out to Navient on XX/XX/XXXX and told them about the account being discharged with my bankruptcy and they told me I had two account and that one of the loans was included in the bankruptcy but not the other one. Unfounded to me, I asked to speak with someone and they told me, the loan was transferred back to the guarantor during the bankruptcy I asked who the guarantor was and they gave me the following number XXXX, with no other name. I reached out to the company XXXX who states the did received {$480.00} from the courts but once the bankruptcy was completed they transferred the account back to Navient and they opened the account back up. I told them I did not understand how, when the Courts included Navient in my bankruptcy and discharged it- they said because it was a student loan ; however, as mentioned above all of my loans were consolidated with XXXX and Navient could not tell me who the lending source was. And original the young lady told me my account was closed- until they reopened it- causing it to show as two different loans. I asked the young lady for a copy of the original paper work and who the loan was originated with, and as of date, I still have not received that information- but continue to receive harassing calls from Navient and negative ratings on my credit report, as a result. I do not recall receiving a student loan from XXXX, which is what the letter states as the Loan Program- that is why I asked for verification.
Product: Credit reporting or other personal consumer reports

Account " XXXX XXXX XXXX XXXX '' have multiple errors amongst the three bureaus. I have disputed this account but they bureaus fail to do their job and ensure fairness and accuracy on my report. The following errors appear as the information is not correct or concurrent amongst the three bureaus : Last updated date, worst delinquency, payment history, closed date, last activity, and account number ( credit report has been attached ). This is direct violation of 15 U.S. Code 1681e ( b ) that states 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. This has not occured!!!! This account needs to be deleted immediately due to the negligence and direct violation of the law!!
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX member and also have their XXXX XXXX credit card. XXXX advertises a product called the " XXXX XXXX '' which, after accruing enough points during a calendar year, allows for a travel to designate a XXXX who flies with them for free - it has significant monetary value. 

In early XX/XX/XXXX, I checked my account and noticed that I needed approximately XXXX additional points in order to requalify for the XXXX XXXX  in XXXX. I checked my XXXX credit card statement payment date with Chase ( the issuer of the XXXX XXXX card ) and saw that my next payment date was XX/XX/XXXX and that I would be being enough money such that it would translate into the additional points needed to qualify for the XXXX XXXX 

In XX/XX/XXXX, I checked my XXXX account and noticed that I did not qualify for the XXXX XXXX, so I called XXXX. I was told that although the credit card payment was made on XX/XX/XXXX, that my points " always post '' on the XXXX of the month and that it was my responsibility to understand this. 

My complaint is that this is an unfair and deceptive practice. From the customer 's vantage point, points are accrued when one flies ( i.e. the flight dates ) and when one pays their credit card - it is unreasonable to expect that the layperson would know that there is a material lag between payment and posting dates which, in this case ( and probably many others ), could result in failure to obtain a marketed benefit with material monetary value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. Equifax is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on XXXX XXXX 's internal site/emails on the credit card company s site showing they dismissed the debt
Product: Debt collection

I am submitting this complaint against, XXXX XXXX for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account XXXX XXXX purchased from XXXX XXXX XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. 

Original Credit card account details : Creditor : XXXX  XXXX XXXX Account Opened : XX/XX/XXXX Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed This information confirms that XXXX XXXX purchased a debt from XXXX XXXX XXXX, which had been established as Charged off. XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XX/XX/XXXX. 
This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX XXXX XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX claims the debt began. 

This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX XXXX XXXX, to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed the first 2 steps in receiving my annual credit report ; electing initially XXXX and then thru a separate session Equifax. 

Both times during step 3 it asked me to answer questions regarding my information for further verification. Both requests said they were unable to provide me a copy via online. 

In each instance, 1 or 2 of the questions made no sense or did not represent any information I was familiar with. Why? 

I submitted an online dispute with XXXX ; I noticed a phone number they had was not correct. I also tried to call Equifax answering an automated questionnaire only to be hung up on because is was after hours. 

This who process is cumbersome and the customer service a joke. The fact I have to reach out to ensure these companies are not improperly granting or reporting my credit is wrong. 

I do not want to fill out a pdf with PII ( name, ssn, dob, etc, ) and send via postal service to Equifax. I expect someone to call me or resolve this online and quickly. Totally disappointing. 

Let me get this straight, So if incorrect information is entered regarding my credit by one of these companies, but I am unaware and can not answer this incorrect data, I am the one burdened to fix this? This is wrong. 

Need to drain this cesspool.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.
Product: Mortgage

My loan was sold from XXXX XXXX XXXX to Carrington Mortgage. Carrington Mortgage raised my mortgage by XXXX dollars per month for escrow. The escrow balance is positive and they would have had a 1/6 cushion as allowed by law. The property taxes are XXXX dollars and the home owners insurance XXXX. So the escrow total is about XXXX. Carrington is now charging me XXXX per month for escort, which comes out to XXXX per year. This is nearly one hundred percent of what is allowed by law. I tried to work with Carrington to resolve the issue but they did not work with me. Name of mortgagor is XXXX XXXX and the loan number is XXXX
Product: Money transfer, virtual currency, or money service

I have been a member of BofA for over 25 years. 

I am on Social Security and have a FIXED income. Losing {$3500.00} from a XXXX scam from BofA has put my back against a wall. 

I had NEVER used the XXXX app until XX/XX/XXXX, when I received a spam text ( see photo ). 

On XX/XX/XXXX, I was sent a text message ( XXXX ) XXXX ) asking me if I had approved a {$3500.00} transfer from my BofA checking account reply with " YES or NO or Help ) I replied NO and Help. Within XXXX seconds or so, I had a phone call from a BofA phone number XXXX. I was asked if I had the XXXX app on my phone, and I told them I would have to download it because I had never used it. 

I then downloaded the XXXX app, They told me I needed to send this so the money {$3500.00} would revert to me. I listened to what they said and did what they told me. Within seconds my account was deleted for {$3500.00}. I called BofA and started a complaint on XXXX XX/XX/XXXX. I was told the process would take a maximum of 10 days. I received a notice that My claim was denied. I called BofA back to discuss this, and the person I spoke with told me that the way the paperwork was sent in was not correct. She " fixed '' it. I again was denied on XX/XX/XXXX ( see photo ). 

On XX/XX/XXXX, I received another text message from a new number ( XXXX ) XXXX ). Someone within BofA or elsewhere must have sold my personal information. I haven't had any further calls or texts. 

I would like my {$3500.00} returned to me as soon as possible. 

XXXX Bank of America and XXXX XXXX have been sued by consumers who allege they were defrauded by scam artists using XXXX payments. ( XX/XX/XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Made an initial payment on XX/XX/. Paid {$150.00} towards minimum payment. I owed {$150.00} more but was unable to meet that payment. Entire payment was due on XX/XX/. Phone calls from citi bank started on XXXX  in which they called 2 times at XXXX XXXX  and again at XXXX XXXX. They then called again on XX/XX/ at XXXX XXXX XXXX XXXX XXXX 
They called again on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They called again on XX/XX/ at XXXX XXXX XXXX XXXX XXXX and finally they called today XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Over the past 5 days they have called a total of 10 times and have left 4 voicemails. I plan to pay my past due payment when I get paid this week, but the amount of phone calls everyday is harassment.
Product: Student loan

I'm making my payments every month but the total loan due keeps going up not down and I am not late in my payments! I even am making more than that minimum payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX Mortgage XXXX Bank loan was paid in Full in XX/XX/year> bank was notified property on sale false reporting to XXXX bank violates the federal guidelines Mortgage statement was send in XX/XX/year> and the rest bank wrongfully charge the XXXX Mortgage insurance payments through out the term of loan even the value of property was double and {$180.00} to {$190.00} payment was loan was released in bankruptcy with XXXX borrower was involved in bankruptcy and XXXX Mortgage in the statement mention we are not collecting debt which violates the federal guidelines not provided XXXX days grace period to making payment and falsely reporting to credit bureau XXXX Days late payment is serious violation i demand the XXXX XXXX should revise the late payment which is falsely reported to credit bureau.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX and I am writing because I was a victim of a XXXX XXXX fraud from a scammer that i met on XXXX. I have been dealing with a person who claimed to be XXXX XXXX who was in the military in XXXX and he had a daughter in XXXX school. At first everything was going good until he started asking me for money. I felt funny about sending this person money since I never met him but he said he would be getting money back and he would pay me. I did several different transactions that varied over time through bitcoin in XXXX XXXX as well as sending him different prepaid cards. I lost over a few XXXX dollars because of me being so naive. He said he had a daughter that was in school and she was having financial issues, which I tried to help. From this situation I helped him cash a check that he said was part of his money from the military. They took my name and it was sent to me through XXXX the very next day. I had a feeling in my stomach that something was wrong but this person knew all the right words to say and when to say it. At the time the bank was closed so I deposited the check in my checking account not thinking anything was wrong because he was in the military protecting our country. Then I got word that the check was fraudulent and I couldn't believe what had happened to me. This is things that you read in the newspaper or watch on movies. You never think it could happen to you until it do. If I would have known that the check was no good ( fraudulent ), I wouldnt have deposited it in my account because I dont need all of the problems that I'm dealing with now. I am a single mom and I was targeted. They knew my information and my where abouts like they were reasearching me. I would do anything i can to make this right. I reported it to the Federal Trade Commission and also to the XXXX XXXX for impersonation of a military personnel. I have lost everything because of this stupid mistake. I have also tried to dispute it with XXXX and XXXX  but they won't listen to me. I am not a criminal and I don't know what to do so I can clear my name. I can't look myself in the mirror because these people really dis make a fool of me. Can you please look at all of the information that I am sending you about how I was scammed from being a certain person and turning out to be a whole group of other people to gain access to money that they dont have, so I can be removed from XXXX XXXX because I need to be able to get an account so I can cash my checks and pay my bills? I would have never done anything like this if I knew this is what they were doing. Please let me know what I need to do in order to get a clean record on XXXX. I appreciate any help with this matter. 
Thank you
Product: Mortgage

I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Balance : XXXX Reason : I don't recognize this account My social security number has been compromised from the social security breach that occured in XXXX access to the XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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