23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Nothing seems correct nor has been correct nor fixed with my student loans. I've been paying on since XX/XX/XXXX. They started with Sallie Mae then transfered to Navient then some where taken over by XXXX and two others where kept with Navient. According to them I have paid XXXX of interest just interest not including the captialized interest. I've paid XXXX on the principal. According to there email response " The disbursement amount of the loans was {$36000.00} ''. As of today XX/XX/XXXX according to the website that total is now {$44000.00}. Navient also has a two other set of my loans which are private FFELP. Original amount XXXX. Now {$6900.00}. I've paid XXXX in interest and XXXX towards principal for a total of XXXX. From what I can gather Sallie Mae / Navient are at fault and have failed to apply payments correctly as well as captializing interest in order to increase the principal. Putting loans in Forberance multipule times without my permission to increase the principal. Adding rebate reversals applying payments late as well as submitting income repayment applications late or delayed in order to increase the principal. I mean look at the amount of just interest paid. That on top of taking out student loans then needed. I went to XXXX XXXX XXXX  for one and I had grants etc totaling over {$20000.00}. I have reached out to Navient and XXXX as well as the Education Department.
Product: Credit card or prepaid card

I had entered into a payment plan with Citi ( Costco card ) last XX/XX/2020. The monthly payment I needed to make on the XXXX of each month was {$350.00} starting with the month of XX/XX/2020. 
However, after auditing my payments history recently since XXXX I noticed Citi has tricked me into making double payments each of the last 5 months. 
For example, in XXXX I was supposed to pay {$350.00} but Citi withdrew {$770.00} from my bank. In XXXX, City withdrew {$710.00} instead of {$350.00}, same as in XXXX, XXXX, and XXXX. Therefore for the past 5 months I was supposed to pay {$350.00} x 5 = {$1700.00} However, during the same five months period Citi withdrew from my bank : {$3600.00}, which is {$1800.00} extra. 
I contacted Citi ( Client Resolution Team ) in early XXXX to rectify this payment issue, but I haven't gotten a reply.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I called and paid them in full. When I notice they sold the debt I called and they said they would take care of it its been 9 years and its till on my credit report so I called last month they said its paid so why is it been on my credit so long
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX  XXXX Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/year>
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I rent an apartment I move out make sure I clean before I move out, I had pictures when I move in and pictures when I move out, the original creditor which is XXXXXXXX XXXX XXXX, tried to come up all this fake charges, and they reported to my credit, i paid it off because i didnt want my credit to messed up despite explaining to them I dont have this debt i paid {$2800.00} on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit card or prepaid card

Citibank is reporting a dispute on my credit report that should not be present. I have asked Citibank to delete the dispute comment and I have asked all credit reporting agencies to remove the dispute. I have asked Citibank to remove the dispute comments. Neither entity will update my credit report comments. Please remove the dispute comments, I am not disputing the account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed you're furnishing an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report.

Account # - DEPT OF ED/XXXX  XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$84000.00}
Product: Mortgage

Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls. I have two mortgages with them and this occurred on both mortgages.
Product: Debt collection

See attached. Get these panhandling frauds out of my email inbox. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Debt collection

Amsher collection service trying to collect a debt from me that I never receive any mail from them before debt when on my credit I need verification of debt including original signature with me and the creditor and contract with original creditor and them showing they have rights to collect the alleged debt also Florida debt collector license number because in Florida you have to have one to collect debt if can not provide information and documentation require this need to remove from my credit report for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF XXXX XXXX Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXX CXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the accounts XXXX   XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Mortgage

PennyMac received all my completed documentation package prior to 37 days window of foreclosure. They are dual tracking! Declined Buyer offer without counter and continue to process foreclosure. Buyer in good faith has raised offer. PennyMac Buyer offer is very close to XXXX price. PennyMac to put simply is dual tracking and fails to negotiate in good faith ....
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.
Product: Payday loan, title loan, or personal loan

On the XX/XX/2018 I communicated and setup a payment to payoff the balance of a loan created with the XXXX called, Bigpictureloans, and was informed the total amount to payoff my outstanding balance of {$630.00} including interest and principal. The payment of {$630.00} was schedule XXXX XXXX, XXXX and was informed that the amount will be drafted out of my account on XX/XX/2018. The amount was reflected as stated and the {$630.00} was debited from my account. 

I, then received a call, from bigpictureloan stating that they were attempting to collect a debt of an amount of {$120.00}. I told them, I am stopping the communication and will transfer all information about there company to be reviewed, to authenticate their account practice. 

I am filing this complaint to prevent any further attempt to diminishing effect in a case to resolve their act on me or any other consumers who may potentially fall prey to this accounting tactic. I was told a total payoff amount and quoted to be paid in full and was confirmed by bigpictureloan. 

I don't like a fact being said and not granted, any disclosure about a past due amount must be included into a total payoff balance, when I or any customer, should ask for a total amount to payout and close their account must be honored. A failure on the system of bigpictureloan accountancy is a violation and should be fined and ceased until corrected and must be fixed. People should be granted the Right to pay off everything when they ask for it, transparently in all financial system of accountancy. 

If they have multiple incident of this act of closing by multiple consumer of bigpictureloan. The Consumer should have restitution because they may be in breach of trust.
Product: Student loan

I have had countless problems with my loan company. To begin with, I was never contacted by the company after my grace period had ended. Around 6 months later, they finally contacted my father. At this point, my loans were completely delinquent. This slip up RUINED my credit score. I couldn't do anything. I couldn't buy a car on my own. This had dropped my, previously acceptable, credit score into the 400s and I was told they couldn't do anything about it. As if that wasn't enough, several years they did it to me again! I apparently had another secret 9,000 - 10,000 dollar loan that I didn't know I had. So now, on top of my already monumental student debt, I have ANOTHER loan that I'm not entirely sure where it came from. Again, they sent all this information to my father without ever even contacting me. I can not stand this company. My struggles have been ridiculous.
Product: Student loan

Hello, I have loans with Navient, who XXXX XXXX is their collection department, I entered in to a payment plan with them after not knowing that these XXXX loans did n't consolidate with my other loans. I entered in to payment plan with them making was making {$50.00} payments and up it to {$120.00} a month when I was informed that it would help me to come out of default status. 
However, that was not the case, it showed back up on my credit report as default loans, I called the loan service XXXX XXXXNavient and I was informed that those payment were not applied to my plan. I do n't know were they are applied too, they stated i was just in a low interest plan and stated in order for that status to come off my credit report and for the loans to show a good standing I would have to pay the loan in full, and they could make a settlement with me for {$5700.00}, which I could now make a new arrangement to start making a new payment of {$470.00} a month. 

So the {$1500.00} plus amount I have already paid has went to nothing on improving the status of this loan and now they are on my credit report as default which is keeping me from getting a mortgage. I asked them if they could please update the status on my credit report because I have been making payments to them on the agreed amount which they do auto pay. Their response was, I would have to pay the loan settlement before the status could be changed. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/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 XXXX5 USC 1681.

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 XXXX 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 or other personal consumer reports

This CFPB complaint has been filed regarding fraudulent and inaccurate late payments on my Equifax credit report.The reporting of this late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit Account ( XXXX XXXX - XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit cardXXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b. The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). I request that you conduct a thorough investigation of the reported late payment ( XXXX XXXX - XXXX )
Product: Debt collection

I'm writing to express how DISSATISFIED I am with your recent claims about my accounts. Due to the lack of substantial factual evidence to support your allegations, I hereby contest these claims. Thus, without further ado, I implore you to IMMEDIATELY COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS. 
My financial situation has been severely tarnished by these allegations, which also have the potential to seriously damage my creditworthiness. To avoid such negative effects, it is imperative that we precisely and quickly handle this matter. 
I require you to dispute these reports as soon as possible and provide me with verifiable proof to support your claims. If I don't, I'll be forced to take legal action to protect my rights and make this right. 
XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  XXXX My expectations are that you will treat my concerns with the seriousness they deserve and that your bureau will follow the rules of justice and truth in handling this case. I am awaiting a timely response and a resolute commitment to thoroughly investigating this disagreement.