23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was formerly a client of SunTrust Bank and I had a HELOC loan with them and I fulfilled my obligation of making my payments. Once SunTrust was bought out by Truist Bank, my payments got misapplied to wrong accounts and in turn, resulted in lates of 30 and 60 day Lates on all 3 of the credit bureaus. This has caused my credit score to decrease by over 100 points. In addition, I have had credit cards taken by lenders and credit limits reduced drastically. 
I have also been unable to acquire a mortgage loan or a personal loan from any lenders. Over the past 4 mos. I have been on phone calls weekly with customer service at Truist and visited two branches on several occasions to file formal complaints with a vice president in the XXXX branch in XXXX XXXX, XXXX All of this has been to no avail to getting them to remove the lates from off the credit bureaus. However, they have acknowledged their gross errors in applying my monthly payments to wrong accounts and have given me apology letters and a {$50.00} gift card. I have approximately 5 to 6 confirmation numbers to all the formal complaints I have filed with Truist bank. I have lost upwards of XXXX in credit availability, wasted money on high interest balances on existing credit cards and a couple of very good deals on some investment properties I was trying to obtain. This Bank, Truist, has single handedly ruined my financial standing. I want to be made whole again.
Product: Student loan

Below is the complaint I just sent to Navient. 
" I recently came across an article written in the XXXX titled " The Accusations Against Navient '' and my issues is specifically in section # 3 " Handling Payments Incorrectly. '' I have had an issue with Navient regarding this issue and I would like something done about it. On XX/XX/XXXX, I started making payments on my loans. Since my Subsidized Loan ( current balance {$6300.00} ) is at 0 % interest thanks to the benefits of XXXX Military, I requested my mailed in check payments be allocated to my Unsubsidized loan ( current balance {$13000.00} at 5.75 % ). This was a painstaking experience because each time I had to call and spend a minimum of a half hour talking with a customer service agent to ensure my payments would be allocated solely to the Unsubsidized loan. Fortunately, after each phone call, I was able to get my payments allocated properly. However, starting on XX/XX/XXXX, Navient would no longer allocate my payments to just my Unsubsidized loans stating that I could not do that since it was a consolidated loan. After arguing for some time, I had enough with it and gave up. My question is why could I pay on my Unsubsidized loan only from XX/XX/XXXX, through XX/XX/XXXX, and then not be able to do so starting on XX/XX/XXXX? This is frustrating and I 'd like something done about this. My next step, if not handled properly, is to follow through with media sources and the consumer protection agencies. '' I have created a spreadsheet with all my payments proving my case that I would happily share with you. Thank you for your time and help with this very frustrating issue. 

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

Back in XX/XX/XXXX, I received a letter from XXXX XXXX that indicated I had been apart of a data breach through their security system. I went in and registered my information with ResponseXXXX  during that time and had not heard anything since. 

On XX/XX/XXXX, I was reached out by someone at a local XXXX XXXX indicating that someone came in and tried to request an apartment application with a fake license and SS using my name. She reached out to me letting me know, during that time I put my name, credit, and information on ID Theft Protection website to ping me for any inquiries that were fraudulent. They denied the credit application, this was at apartments of XXXX XXXX apartments in XXXX. Since then I have not received any credit hits and assumed that this was a one-off occurrence. 
On XX/XX/XXXX, I received a hit from 4 inquiries on my credit application to purchase a vehicle from XXXX XXXX of XXXX with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to XXXX XXXX and all 3 additional vendors and confirmed that the inquiry did not go through ; however, I notified the address on the inquiry was in XXXX, Texas. I started to XXXX the address and noticed that it was an apartment complex in XXXX called XXXX on the XXXX. I reached out and spoke to the office manager and he indicated that they did have someone living at the facility. I confirmed my name, date of birth, license information and SS with him and he did confirm that someone is there at the facility. 
He indicated that there was nothing that the apartment complex could do even through I am indicating that this person has used my identify to get an apartment. The only thing I could do was file a police report, which leads me too today. 

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Number is pulling up as : XXXX XXXX XXXX
Product: Vehicle loan or lease

I have literally done everything to try to remove this vehicle loan from credit acceptance I have contacted the company directly I have jumped through their hoops got the necessary items police report XXXX they asked for I disputed with the credit reporting agencies XXXX XXXX XXXX and it will not come off the account I just had a XXXX XXXX  and j can't even get a apartment a rental home nothing I went this week to tty to get myself a car loan no one will loan anything to XXXX XXXX of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Student loan

Mohela is the servicer of my student loans that are on the PSLF track. They have miscounted a 9 month time period in XXXX that should be eligible as time that counts towards my student loan forgivness. I have worked for over a decade, full time, at my current non profit. I have had XXXX breaks in employment. Mohela has verified that my employer qualifies for loan forgiveness and in all aspects I should be eligible for loan forgiveness. Because they have miscounted a time period, my loans have not been able to forgiven. This process has been going on since XXXX. I have called Mohela several times and I get different answers and false promises. At this point I am not sure when they will fix my loan counts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has been reporting Negative on my credit report I never opened this account. This account has been affecting my abilities to attain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency reporting an account by XXXX XXXX for XXXX XXXX for {$810.00}. Account has been remove due but re-aged and added on XX/XX/XXXX without informing consumer. This is against best practices. Agency has been informed of account but still reporting as of XX/XX/XXXX. I ( Consumer ) request account to be removed from report as it is inaccurately being reported.
Product: Debt collection

On XX/XX/2021 I contacted Regional Acceptance about a charge off on my account. I co-signed for my daughter which resulted in a repossession. I spoke with XXXX at Regional acceptance on the above date. XXXX stated the debt was in collections and she ( XXXX ) could not speak further with me. I was advised by XXXX to call XXXXXX/XX/XXXX. I called XXXXXX/XX/XXXXand was told the debt was over XXXX. I spoke with XXXX XXXX who agreed to a settlement on the account in the amount of XXXX dollars. I was instructed to pay this amount on or before XX/XX/2021. I paid the amount on XX/XX/2021. I received a letter in the mail dated XX/XX/2021 from Regional Acceptance stating they violated Connecticut statute by not providing the accurate amount minus GAP insurance of XXXX dollars and would be credited this amount to the outstanding balance. 
I reached out to XXXX and spoke with her regarding the account. I inquired how could she credit something to a closed account? I was told they could and they did! 
Regional acceptance will not take any further calls from me regarding these monies. I inquired about the amount on my credit report which was in error, and the amount sent to XXXX was in error, therefore the info was not accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted that someone had stolen my identity. 
Upon checking my credit report, I noticed that CITI Bank was one of the institutions that the fraudsters had used to open up accounts. 

While other companies were helpful, Citi Bank has not. Just a couple weeks ago I was notified that a new account was opened via XXXX XXXX, and when I called to cancel and claim fraud, they told me that team was out and I needed to call back on Monday. And then on Monday, they told me that an account was never opened. 

Then again today, XX/XX/XXXX. I was alerted that a " PII '' was opened. The fraud department could not verify this ( which makes no sense ) so then they transferred me to the loan department. The loan department asked me for my security questions. I told them I do not have an account there so those are not my security questions and I need to cancel whatever account that is in which I was told " we could not continue without the security questions. '' I asked how that made sense and he said that no one could help me unless I got the security questions. I was then told to " stop talking '' because I asked what my next steps where. 

At this point, I can not confirm what kind of account was open or what it is since CitiBank continues to let fraudsters open up accounts under my name and won't let any accounts be closed.
Product: Checking or savings account

On X/XX/2017 I authorized a funds transfer to another bank. That evening I received a phone call at a number that I never had given to the Chase Bank, NA. They mentioned the amount of the transfer and then tried to get me to register my phone with them by sending a code. I had no reason other than their possession of this one piece of information to believe that they were legitimate representatives of Chase Bank. I hung up and soon thereafter called Chase Bank at the number on the back of my debit card. 

I was informed that the transfer had been canceled and I should talk with their fraud prevention dept. This department insisted that I was not who I said I was and that they had also frozen my account and access to their website. I spoke with XXXX among others. They said in order to prove who I am, I would have to go to a Chase Bank and show two forms of ID. I told them their was no bank near my home and asked them if their was a bank close. They asked my address and then hung. This happened three times. I am ill and have a limited ability to travel 100 miles to another state to verify my identity.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Fair Collections & Outsourcing INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

This company I contacted in regard to the debt collection has responded but to my surprise they tell me that my account for XXXX, which I've never had, was opened on XX/XX/. Which is entirely impossible because I was a legal XXXX  at the time. I know for a fact XXXX would not allow a XXXX  to shop with them. Unless XXXX did something without my permission .... The debt is for {$660.00} but I refuse to pay because it is not my debt. Clearly it is not. Since when is it okay for a child under XXXX to go to XXXX? Its not. I expect this case to be dealt with delicately.
Product: Money transfer, virtual currency, or money service

I have used Coinbase to custody my Crypto assets for several years now, but I have noticed that there were several unauthorized transactions on my account. I did not receive a single notification via email nor within the app that these transactions were occurring. Nor did Coinbase attempt to contact me for authorization for these transactions. I attempted to get this issue resolved with Coinbase, but they are stating that I have approved the transactions when I have not. Not only that, but now I have to pay taxes on the " crypto I spent '' when I did not authorize the transactions. This is very alarming due to the fact that other users have millions of dollars custodied.
Product: Debt collection

I am the authorized representative for XXXX XXXX. XXXX XXXX is the consumer who they say owes the alleged debt. 
XXXX XXXX, XXXX first communication was an introduction of who she was, her appointment, threat that she would be taking my mother 's property to sell, threat that if I do not agree with holding open house she would seek permission from a court to sell my property, threaten if I do not agree with her demands the house would be sold at a lesser price because of my non compliance and last she urged me to call her if I did n't want those things to happen. 
On or about XX/XX/XXXXI did call her to ask her what she was doing, she said another debt collector had all the right to foreclose on the property. I told her I did not agree with her open house. She threaten me again and said I will get a court order to sell your house without open house. I told her she had no right. 
XX/XX/XXXXI sent dispute letter, irs, and copy of rescission no response. 
Second communication from debt collector, court order allowing sell of property without open house. 

XXXX XXXX, XXXX sent cease and desist letter. 
XXXX XXXX, XXXX Third communication from debt collector, commissioner 's fact sheet. 
XXXX XXXX, XXXX and XXXX XXXX XXXX. Foreclosure notices with private information advertised in the media.
Product: Student loan

On XX/XX/year> I paid off my SCHOOL LOANS via Aidadvantage. A representative assured me that the Credit bureaus were notified. At present day all 3 credit bureaus list a BALANCE OF {$150.00}. 

I reached out today to inquire further. XXXX a rep claims the credit bureaus were notified and yet the debt remains on my Credit reports 1 month later after the debt was PAID IN FULL.
Product: Mortgage

I paid off my mortgage with Greentree services which was taken over by Ditech services I never received my deeds for my house Ive made several phone calls no answers and its been over 3 years
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These are the inquires I did not authorize. 


XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXXXXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the XXXX of every month and the late payments in question were not 30 days late.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I received an alert from Equifax stating a lending XXXX XXXX pull my credit report and added a hard inquiry. on XX/XX/year> I reached out to XXXX and was advised that this information is incorrect, and we have no customer by the name of XXXX XXXX that file for a loan on XX/XX/year>. I put in a dispute with Equifax and in XXXX they stated that the hard inquiry was correct. Which the information is not correct. the did not investigate the request Equifax just advised it was accurate without any proof and refuse to remove the inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent in a FTC report and Police report because I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX and XXXX XXXX XXXX : My name is : XXXX XXXX - DOB : XX/XX/XXXX SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Name XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate and/or may belong to family members. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX My current telephone number is : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors in my personal information that should never have been there. These are not minor mistakes ; they are actively misrepresenting my identity and creating unnecessary obstacles. I refuse to allow misinformation to remain on my credit report, and I demand an immediate and thorough investigation. The incorrect information includes an alias listed as XXXX XXXX, as well as previous addresses incorrectly reported as XXXX XXXXXXXX XXXX  XXXX, PA XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. Personal identifying information must be correct, and any outdated, inaccurate, or unverifiable data must be removed immediately. If TransUnion can not provide legitimate documentation proving that this information is accurate and directly linked to me, I expect it to be deleted at once. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution.
Product: Money transfer, virtual currency, or money service

I was hacked from cash app and never was able to speak to a live person and never received my XXXX dollars back