23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account is paid and was settled and resolved. XX/XX/XXXX in the amount of {$73.00} They didn't give me a receipt in a very unprofessional manner. Attached is my bank summary showing payment Reference number of payment XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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
Product: Student loan

I have been repaying for years almost XXXX a month. When I call they tell me to do a forbearance and everything I pay never goes to any of the the loan I first took out. In fact the loan amounts are higher. They add the interest to the principal no help from navinet at all. They just tell me to pay more then the min. I have switch to auto debit pay and there is no discount as I was told when I sign up for their autopay. I graduated 2010 and my loan is now higher then what I took out. I have paid them almost XXXX so far for a XXXX loan and I still own them XXXX ...???? I would have been better with a loan shark. On top of that when I was in school the loan I got was not enough to cover everything. I had to get a private loan to cover more or else they would n't let me go to school
Product: Student loan

On Friday,  XXXX   XXXX ,  2017 , at approximately  XXXX , Navient extorted money from me in order to process a forbearance.  XXXX   XXXX   XXXX , a supervisor with Navient 's collection department, stated that if the fee was not paid that the loan would default at close of buisness on  XXXX   XXXX ,  2017 , and, if that happened the loan would be turned over to a law firm for collections. I explained that I could n't afford the fee at this time and I was told my only option was to pay or default. I was forced to pay this fee by threat of future litigation and the embarrassment that comes with that ordeal.
Product: Mortgage

I'm current with my mortgage and have no late payments. 

XX/XX/22 Received pay off quote from Arvest Central Mortgage Company for {$9400.00} Using same electronic payment method as always I submitted payment for the full amount. 
XX/XX/22 Electronic payment " In Processing '' date. XXXX contact me by phone to say that the payment method is now unacceptable. I'm informed that they are going to " kick '' the electronic transfer back. If I want to make the payment I am required to use a wire transfer or certified bank check. 
XX/XX/22 Instead of the payment being " kicked '' by XXXX, it is accepted. I contacted XXXX with my XXXX  XXXX XXXX customer service rep on the phone. XXXX customer service rep says they're very sorry and the money should be in my account today. They already kicked the transfer and it must be a problem on XXXX  XXXX XXXXXXXX XXXX end. They don't know what's wrong. The worst case scenario is that it will be back on my account on Monday. 
XX/XX/22 Contacted XXXX  and inform them that I still didn't have the money in my account and that they never actually kicked the electronic transfer. They accepted the payment but refuse to credit my account. I'm assured by their customer service representative that the full amount will be in my bank account by the end of business. 
XX/XX/22 My bank account shows the payment to XXXX as closed. I am still out my full pay off amount for the mortgage, but my account with XXXX has not been credited. 

Conclusion : 1. I'm current with my mortgage and have no late or missed payments. 
2. I paid the full pay off amount of my mortgage. 
3. The payment was accepted by XXXX. 
4. XXXX is refusing to credit my account, while saying they're going to refund me but have not. 

Please help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and on XX/XX/2018 I signed up with Experian seven day free trail and paid the {$1.00} with my debit card ending with the number XXXX from XXXX. At the time I was aware that I am a victim of Identity Theft and this was my reason for checking my score and after entering in my person information someone took over my email address which was XXXX at the time, charged my debit card for the full {$9.00} and also changed my cell phone number from ( XXXX ) XXXX to ( XXXX ) XXXX, all this by way of a computer. I had XXXX reimburse me for the {$9.00} and remove my debit card information. I recently received a letter from Experian and XXXX   stating I had to send more proof. I have the letter right here in front of me # XXXX and I personally think someone redirected my mail because I was sending a lot of notices out to each business, etc. When I received your letter it states XXXX XXXX XXXX with my current address which is XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. I had to changed my email address and phone number again and I have an XXXX XXXX number now because I'm not receiving my mail at all. I recently signed up for your free 7 day offer and used a new email address which is now XXXX. I later called to cancel because the person charged me {$29.00}? I called and asked why I was charged that amount and was told that I had asked for all three reports. My understanding was that I had signed up for the premium which was {$9.00} each month, so I ask the person to cancel my membership and got a new debit card. now I'm told that I have until the XX/XX/XXXX to check my credit online. That's find, but I want to know what happened to the {$29.00} charged to my account. I was under the impression that you are allowed one free credit report once a year. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a certain account that has been reported across the XXXX bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXXXXXX
Product: Mortgage

We live in XX/XX/XXXXand have a home mortgage with United Built. They take your land as collateral to secure the mortgage. We are in a mortgage with over 9 % interest, which is unheard of rates at this time. My income lowered by over 40 % at the time of the pandemic. We fell behind our payments and have been unable to get refinanced due to late payments. United Built would not even discuss a forbearance during the pandemic. So we are stuck in this high interest mortgage. We also have been unable to get any relief assistance because we are not in a federally backed loan. This mortgage company is so unfair to myself and others. While the government continues to offer help to those of us who have been impacted greatly by this horrible pandemic our mortgage company offers none. Very sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that the following account should not be on credit file :! - XXXX XXXX XXXXXXXX account # XXXX Authorize user, terrminated relation 2XXXX XXXX XXXX XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for XXXX, XXXX and transunion. 

Also, respested companies. 


Thanks, XXXX XXXX
Product: Checking or savings account

I want to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction were authorized, I as charged fees due to issue aligns CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.
Product: Payday loan, title loan, or personal loan

Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.
Product: Credit card

I have always paid this account on time, avoiding any overdue payments. I don't understand why there are late payment remarks on my accounts. Per 15 USC 1666b, billing errors must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 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

I recognized there were several hard inquiries on my report.
Product: Mortgage

I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX XXXX Account # : XXXX Balance : {$10000.00} XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

I've sent many disputes in regard to this account with XXXX XXXX, when I receive response they say the debt is verified and correct, Yet when i call by recorded phone they tell me the debt was passed over to XXXX XXXX XXXX XXXX. When speaking with XXXX XXXX they do verify where this account came from they only sent me a balance of {$500.00} and 3 statements which don't belong to me. At one point they removed the account and replaced it back in 30 days. Non these actions from transferring the debt or replacing it back in my credit report were sent me by mail or email to notify me which means they are illegally passing my personal information around which under 15 U.S. Code 1681e is a violation of my rights. I believe it could have placed on my credit because of my fathers death and we share the same first middle and last name. I have sent many certified mail letters to each company to remove this wrong information. Each time they update the info and report differently in each credit company from current balance open day and closing dates they all do not match and the account is not mine. 

XXXX XXXX ACCOUNT NUMBER XXXX REFERANCE NUMBER : XXXX please review the documents attached and you will see in the details that it doesn't report correct and they are refusing to properly verify the debt and will remove it.
Product: Debt collection

We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to XXXX and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX. The account in question was opened on XX/XX/year>, but the application was revoked prior to any activity. The account was closed by the grantor on XX/XX/year>, with no payments, transactions, or any other account experiences ever recorded. It is currently showing a {$0.00} balance with a {$1500.00} credit limit, and the account status is listed as " Closed by Credit Grantor. '' The continued reporting of this account violates several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as no permissible purpose exists for this account to remain on my credit report. In accordance with FCRA Section 604, permissible purpose must be established for any entity to access or report information on my credit file. Given that this account was revoked before any use or responsibility, there is no justification for the account 's continued presence. 

Additionally, under the FDCPA, any information furnished must be accurate and complete. The absence of any payments, transactions, or experiences with this account further solidifies that this reporting is incomplete and misleading. 

I respectfully request that this account be removed from my credit report immediately due to its erroneous and incomplete nature.
Product: Money transfer, virtual currency, or money service

I received a new XXXX and signed into my Venmo account with my new phone on XX/XX/23. I then tried to send money to a friend and it said my account has been suspended, even thought I was able to sign into my account and verify it was my account. When I called a rep for Venmo, they said it would 3-5 business days to resolve the issue. I then received an email asking me to take a picture of my ID and send it with a picture of me holding it. I don't believe this is very secure and it is not right that they are holding my money XXXX and not going to resolve it for 3-5 business days.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon thorough examination, I have identified the following fraudulent accounts : 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 categorically deny any XXXX with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. 
I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX XXXX  # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was compromised and I have been implicated as impacted. Equifax reported the issue took effect in XXXX, but announced in XXXX to consumers.