23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.
Product: Credit card or prepaid card

ON MY ACCOUNT THERE WAS A NAME BY XXXX XXXX WAS ADDED TO MY ACCOUNT WITH OUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IM TRYING TO WORK WITH THE BANK TO REMOVE THE NAME AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THANK YOU
Product: Vehicle loan or lease

I have been paying American Credit Acceptance for a year at XXXX a month. When I noticed that my loan hadn't decreased in a year. So I pulled my paperwork out. That's when I realized I was paying 26.6 % interest rate. The loan was XXXX the interest rate amount is just under XXXX. I was told my interest rate was going to be in the 18 % range. I was told my loan was XXXX. It was never explained that after it was all said and done it was going to be XXXX. For a XXXX  vehicle!! I have continued to pay only to be getting no where. And when I fall behind, I am threatened with repossession ( which happened once already and I paid almost XXXX to get it back ). I don't have the best credit. But the car only values at XXXX. Which is the down payment I put down. I had just been in an accident. I was in a bad spot and feel like I was taken advantage of and lied to by XXXX and American Credit Acceptance.
Product: Credit card

Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on XXXX XXXX, XXXX. This was done without notice and otherwise in violation of the CARD Act of XXXX which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in XXXX XXXX justify the hike in interest rates, but does not dispute that such account disclosures are contrary to the CARD Act, which was adopted subsequently. Citibank justifies the increase in interest rate since the account was " delinquent for a long time '' prior to the rate increase. However, Citibank admits that the account was delinquent ( late payments but less than 60 days ) XXXX times in eight years, but says that there were XXXX late payments in six months prior to XXXX XXXX, it is justified in raising the rate. This is not the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint due to a request submitted to Experian to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received a response OR any verification documents to prove that this account was ever late! Experian instead closed the case stating the creditor verified that it was late. 

Late payments in question : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage XXXX This account should NOT be reporting a late payment on XX/XX/2021. This account has been paid off. This loan funded on XX/XX/2021 so it should not be considered more than 30 days late. This is preventing me from getting the credit I deserve.
Product: Debt or credit management

Struggling to provide a better living situation for my wife and our XXXX kids I turned to XXXX XXXX about XXXX  years ago with promises of much improved XXXX XXXX to be able to be approved for homes in nicer areas with better school systems. I was not comfortable paying up front costs and fees but I did out of desperation hoping it would pay off in the near future. After months and months of payments and fees I never saw any actual proof or evidence of credit improvement on XXXX Laws behalf. I eventually attempted to stop making the required monthly payments and turn elsewhere for guidance but was offered a lower monthly payment by XXXX XXXX behalf to keep my business. Again thinking that maybe they needed more time to monitor and fix things with my credit I started making the lower monthly payments. This went on for a few more months before I stopped making payments completely. On my XXXX XXXX behalf account page it would always show that things were in progress. That was the case for the entire duration I was paying them. I soon realized that I had wasted so much time and money dealing with this company. Money that could have gone towards feeding and clothing my kids. This company also talked me into setting up a separate account for my wife to fix her credit as well! She dealt with the same exact issues! Definitely feel as though my wife and I were scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED Recovery added a Derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did NOT verify this collection. Also there has been no written form of communication, contract or signature for this accused debt at all. A bill without my signature CAN not validate the debt, therefor anyone can send a bill and say it's mine. According to the FCRA ENHANCED Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a violation of my right to privacy and the wrongful use of court records for reporting purposes regarding the following items on my credit files : 1. US Bankruptcy ( Public Record ) 2. XXXX XXXX, XXXX ( account associated with the bankruptcy ) According to the law on reporting consumer information that is housed in City court documents the following data furnishing company XXXX XXXX along with the major credit bureaus - Transunion, XXXX and XXXX have violated my rights to privacy by reporting my Bankruptcy on my credit files without my written consent and have wrongfully used those court records by furnishing that information WITHOUT A VALID REASON LISTED under section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years Subsection ( b ) states the ONLY REASON MY BANKRUPTCY SHOULD BE FURNISHED IS : b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. 

By furnishing my court files for credit reporting purposes other than listed above XXXX XXXX and all the credit bureaus they have furnished that information, are all in violation of the law.
Product: Debt collection

There was a small dent on a secured credit card that was paid I was told by the company if I paid the balance they would remove the account from my credit reports. I have filed a few disputes already and they are not removing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the hardship of covid and losing a job we fell behind on rental payments. We did get assistance but not for full amount needed due to an error on property management not putting correct amount needed for assistance. We now have a collection for {$12000.00} which is showing on XXXX, XXXX, and XXXX. The original creditor is The XXXX  At XXXX, and the collector is : National Credit Systems {$12000.00} Account number : XXXX I have let them know that covid was a factor in this but still nothing. This account is causing undue hardship in being able to find proper housing as it remains on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 Ally FINCL put a late payment of 60 days on my account. This was an auto bill pay issue and the bank recognized it on their end but failed to update my account back 100 % payment history. This also popped up on 2 other credit bureaus and has greatly lowered my score.
Product: Money transfer, virtual currency, or money service

I wanted to send a XXXX payment to a contractor. When I tried to do this, I got an error code saying my XXXX account was locked due to " code error. '' I called Capital One because my XXXX had this error. Capital one told me to call XXXX and gave me XXXX 's phone number. 

I then called XXXX who said Capital One was incorrect - I should speak with Capital One who can help me. 

I then again called Capital One. The agent on the phone asked me XXXX different verification questions and gave me random/irrelevant details ( my credit card was unlocked even though XXXX is bank to bank ). Worst of all, the agent was very rude on the phone, told me I had to wait 24 hours without any additional detail on why my account was showing a problem, and then hung up on me. 

This was annoying/frustrating and I had to ask a friend to XXXX on my behalf.
Product: Mortgage

Caliber home loans serviced my loan from about XX/XX/XXXX to XXXX. I know 100 % they messed up my escrow account. They either paid my property taxes twice. They either took the overage of extra payments of {$150.00} because of a shortage. After 2-3 years with me paying an overage they sold my loan to XXXX XXXX  and no one can explain why I am in the negative with my escrows. I don't have the time to dig up through files and waste my time over this. I am eventually going to pay off the mortgage and never deal with an escrow/impound account. Caliber needs to be investigated regarding their servicing department. I know 100 % I am not the only person that has dealt with this. 

Something fishy and shady is going on with. It is either the city of XXXX XXXX MI, or Caliber home loans.
Product: Credit reporting or other personal consumer reports

Experian has false pre approval in which credit was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account # xxxxxx XXXXXXXX XXXX ( XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX Account # xxxxxx XXXX XXXX Account # xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX ( {$30000.00} ) Account # xxxxx XXXX XXXX, XXXX ( {$63000.00} ) Account # xxxxx XXXX XXXX XXXX ( {$3300.00} ) 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 an account without my written instructions
Product: Credit card

For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with this.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024, I called Experian to remove inaccurate information from my profile, which included inaccurate social security numbers, phone numbers, addresses and fraudulent accounts that did not belong to me. It was clear that these accounts did not belong to me because they did not have my address or social security number attached to them but they had an address that I have never lived at and social security number that was not mine attached to them. When I reported this information to Experian, Experian changed my addresses and reported to the debtors my information, which resulted in the debtors updating their information to match my information. I have not spoken to the debtors and never gave them my information because those are not my accounts. Experian violated my privacy rights under the FTCA, and refused to remove these fraudulent debts and inquiries.
Product: Mortgage

OCWEN claimed I did n't have adequate hazard insurance last year ( XXXX ), although I sent them a copy of my policy. I received another letter saying I did n't have insurance, sent them another copy of policy. Another letter saying they have now purchased insurance and I owe them {$1500.00} from my escrow. I had my insurance company send the policy and they finally corrected the issue and refunded the money to my escrow. Fast-forward to this year ( XXXX ) and the same song and dance is occurring.
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 with XXXX 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. Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting several late payments on the account listed as XXXX  XXXX Account Number XXXX how was Experian able to verify this information? You have no access to my personal financial records. Tell me how you verified this information! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

I purchased XXXX tokens from the BinanceUS app yesterday XX/XX/2022. BinanceUS held my funds for 24 hours. After 24 hours were completed I tried to send my XXXX tokens to my XXXX wallet. A prompt told me that I need to wait ten more days. I spoke with the Binance Official Support on XXXX about the issue. The representative told me that I needed to buy more XXXX tokens in order for them to help me. I can't do that right now. I'm rebuilding my life after divorce, and investing in Binance is causing me to need to put my life on hold. I need to be able to move my funds as needed. My purchased tokens are my property ; and the XXXX says so. But Binance is withholding my property from me, and forcing me to buy more. Please help. Thank you.
Product: Checking or savings account

A XXXX  months ago I opened an account with Truist bank. I received a XXXX  loan type deal from a company and it was deposited into this account. My fianc and I were using that money to pay bills, I tried to send money to him via XXXX, Truist locked the account and flagged it for fraud. 

I reached out multiple times to Truist and received several different answers. I was told to go to the branch to receive my money, the branch couldnt do that due to the fraud department locking my account. I reached out on the phone multiple times and was given the runaround. I was then sent a letter stating that I would receive the funds from my account in a check or could pick up at the bank. It has been months and there is still {$990.00} sitting in a closed account and they will not release the money to me. They state I owe them money and I can not use the funds in the account to pay the debt and they will not release the money or reopen the account until that debt is paid. I dont trust paying them because my money will probably sit in there another year before they decide that I can have it again. 

Customer service has been very unhelpful with them and I have been told so many different things by the company in multiple different departments. I would just like to be able to have the money released or mailed to me in check form, or if they insist on receiving money relating to a debt, they need to use the money in the account.
Product: Credit reporting or other personal consumer reports

Wells Fargo is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX XXXX XXXX XXXX confirmed this statement is false from Wells Fargo Amount of bank cards says to XXXX  I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by Wells Fargo Wells Fargo ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from XXXX my report has a change! Now I have XXXX inquiries in the same week. This is illegal and damaging. I called XXXX and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called Wells Fargo which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the XXXX  removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost 100 percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!