23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a total of 3 different loans currently serviced by Navient. 

On XX/XX/XXXX, I wrote two ( 2 ) checks made out to Navient for a Stafford Loan ( Unsubsidized ) for {$11000.00} & a Direct Loan ( Unsubsidized ) for {$9900.00}. These sums would have paid the loans off in full. 

I initiated a XXXX pickup for the checks, which were delivered to Navient 's physical address ( XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) and signed for by a XXXX on XX/XX/XXXX. These checks were posted the same day. 

On XX/XX/XXXX. XXXX, I called Navient to inquire why my accounts had not been updated, especially because I accrued additional interest charges. I uploaded copies of both cleared checks and the XXXX Invoice to the Navient website on my account. I was told that both loans were still active because that payment had been processed at the wrong payment center. They had been approved for transfer to my account and it would initiate shortly. 

However, they stated that because the payment was processed at the wrong facility which was responsible for different account types than the ones I possess that they would be unable to void the interest that had accrued on an account that would otherwise be paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Experian has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Experian has failed to properly validate these accounts. Experian has admitted to go off the word of the companies. Per our conversation I had with a Experian rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. Experian does not have any documentation of these accounts to let them report on my credit report. 

Experian does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Hard and soft Inquires combine with all XXXX credit bureaus. I didn't authorized such inquiries.
Product: Debt collection

I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE XXXXXXXX XXXX XXXX # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO CITIBANK IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY XXXX XXXX XXXX XXXX AND ATTORNEYS XXXXXXXX XXXX XXXXXXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE
Product: Credit card or prepaid card

I have asked Discover bank for a dispute and explained to them that I am victim of fraud of cooperation of two Companies of XXXX   XXXX and XXXX XXXX. But Discover bank after 2 weeks took it out of dispute with no explanation until I called them. Their reason was because it is aged.I also explained because of that fraud I am completely drained out of money, on top of that because of medical issues I am not able to work and and do not have income. They have come up with solutions that does not work for me and instead they have sent me letter, that they are going to increase the interest which will make my case even worst, I am already under a lot of pressure and sick and stressed out. for more explanation please see below : XXXX XXXX XXXX ( works ) with a crook XXXX XXXX company and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me. A year ago I trusted XXXX  and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX 's programs and in return charge/gain almost {$4000.00} in commission. As a result of their partnership, I am under {$60000.00} of debt in credit cards that am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months. At the moment, there is a legal case taking place against XXXX XXXX in federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it. ( XXXX ) XXXX XXXX  was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission. To me XXXX XXXX is as predatory as XXXX XXXX, because without XXXX   XXXX, XXXX would have been powerless and would not be able to prey on innocent people who believed in them.
Product: Student loan

My loans were forgiven through the public service forgiveness program. I am trying to have the payments that I made during the COVID 19 forbearance refunded to me. 

My loans were consolidated XX/XX/XXXX with XXXX and were previously with XXXX. I consolidated with my fed loan XX/XX/XXXX. They did refund me the payment that was made after my loan was consolidated XX/XX/XXXX. 

However, XXXX is telling me that I did not have loans with them from XXXX. I did and I made several payments to XXXX for these loans. Since my forgiveness, their loan information is no longer on the XXXX website. 

However, XXXX was servicing this loan and payments were made during the COVID 19 forbearance that I am looking to have paid back to me. 

Can you please assist me with receiving a refund of these payments made during the COVID 19 forbearance? 

Since XX/XX/XXXX paid to XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total paid during Covid forbearance to XXXX {$11000.00} I asked for assistance through myfedloan.com and they said that a refund was issued to your bank account on file on XX/XX/XXXX. It was not. The bank does not have a record of this deposit with any of my accounts. I also think I would notice a deposit of {$11000.00}. 

Thank you for your assistance, XXXX XXXX
Product: Mortgage

In XX/XX/2018, the loan was in foreclosure and my home was scheduled for sheriff 's sale. The lender ( Santander ) reported the principal at that time was {$350000.00}. In XX/XX/2018, I paid the required reinstatement amount of {$68000.00}. In XX/XX/2018, I made another payment for {$8000.00}. After I made these payments ( for a total of {$76000.00} in payments ), Santander now reports the new principal is {$340000.00} -- a mere {$13000.00} difference? I understand that there are fees and penalties associated with foreclosure, but this seems excessive. Moreover, this practice is extraordinarily misleading, the reinstatement papers should have clearly disclosed that less than 10 % of my {$68000.00} would go to principal. 

The lendor ( Santander ) has failed to provide a clear breakdown of how the {$68000.00} was applied or how escrow was used. I have called numerous times and none of their reps will explain anything. Moreover, when I called in XX/XX/XXXX to inquire about the Santader 's receipt of the reinstatement amount ( {$68000.00} ), and asked when to resume monthly payments, Santander 's rep said that they had no info about the $ XXXX payment, that the loan had been " sold '' and that no additional payments were due- the rep said I'd be hearing from the " new lender. '' When I didn't hear from a " new lender '' by XX/XX/XXXX, I called Santader again, and was again told that they didn't have the loan. After hours on the phone, the rep finally determined that indeed Santander did still have the loan, but that a new account number had been assigned. The rep refused to provide any information on Santander 's receipt of the {$68000.00}, or how it was applied. The rep only continued to demand money and thousands of dollars in new late fees!
Product: Debt collection

I recently received communication from Aldous & Associates attempting to collect an alleged debt. Please be advised that I hereby dispute the validity of the alleged debt in its entirety. Aldous & Associates is illegally attempting to collect the alleged debt and money that I do not owe. Further more, pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. Aldous & Associates has no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further more, Aldous & Associates is attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self. Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 )
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$19.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00}
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries nor the mentioned creditors. I urgently request their prompt deletion from my credit report. 
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

I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. 

The breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. 
Local Hospital : My information was compromised through a breach or mishandling at my local hospital. 
Employer : My personal data was leaked while I was employed, putting my financial security at risk. 
Social Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA.

These breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. 

I am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. 
Advice on pursuing any accountability from the entities responsible for the breaches of my personal information. 
Steps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.
Product: Mortgage

Well I received a foreclosure letter from well Fargo so I become panic because my mortgage keeps going up so I found this company to help me get a moniefacation I was so glad to get the help I pay this company so much money and only to found out that they say XXXX can't give me the moniefacation without a good explanation I was devastating so much money I give to this lawferm no help all because XXXX keeps telling me when I try to get the moniefacation from them they were putting me through so much about they didn't receive documents and I have to keep sending them the same paper over and over I couldn't do it by myself so I turned to this company and they didn't do me no justice either they took my hard working money only to tell me they can't help me eny more and was referred me to aother company to take my money a gain I try to contact XXXX again notting they do to help me only to get a letter again to go to court because they but the house in foreclosure now I am finding them a gain I am going through notting but stress sleep less nights because I don't know what is going to happen to me now
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I check my credit scores with XXXX XXXX. TransUnion is XXXX of the scores I check. When I go to View Changes, on XX/XX/2022 it says " XXXX XXXX account removed from your file '' - and for this I lost XXXX XXXX of credit. I don't know why it was removed and why I lost credit. If it should be there, I would like it reconnected to my file. 
Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Please see attached copy of my letters sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to report an inclusion of late payment from Account name CAPITAL ONE Account number XXXX on my consumer credit report. Capital One, XXXX, XXXX, and XXXX are violating my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines. 
15 U.S.C. 1681a ( 2 ) Exclusions. 
This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. 

It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. 

Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs CAPITAL ONE Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. XXXX  is still reporting SLS 's account as XXXX verified in XX/XX/XXXX per a conversation with SLS that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from SLS to provide XXXX that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at SLS several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for XXXX.
Product: Debt collection

After examining my current credit report in depth, I noticed several accounts that appear to be fraudulent and were added without my approval.
Product: Credit reporting or other personal consumer reports

XX/XX/ I had spoke to some in the department of Transunion about a hard inquiry with XXXX XXXX. I sent them documents from FTC stated someone use my info to apply for a house. I see that Transunion has it down twice on my report. Which I had the report from the FTC I sent my documents on XXXX and I havent yet to see the hard inquiry remove from my Transunion which they have it down again twice. I explain to them it wasnt mines, if they fail to remove theses hard inquiry I will get in contact with you guys.
Product: Credit reporting or other personal consumer reports

Im writing because Ive noticed an issue with the information reported on my credit report thats not in line with FCRA guidelines. The accuracy of this item is clearly compromised, and its affecting my credit in a way that it shouldnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.
Product: Credit card

Company Credit Card : Bank of America, Spirit Airlines Credit Card Issue : Enrolled in auto pay on XX/XX/XXXX which had a due date of XX/XX/XXXX. The payment didn't post and I was charged late fees and finance charges. I realized that payment wasn't deducted from my checking account and when I logged in XX/XX/XXXX and made the complete statement balance payment on XX/XX/XXXX late night ( I already got late fees and finance charges assessed ) The company claimed that auto pay doesn't go effective until next cycle/statement but is nowhere called out. I told them that it is very misleading and not good by customer.
Product: Debt collection

The company put a collection on my credit report without notifying me or giving me the opportunity to dispute settle pay for this debt they did not contact me in writing or by phone or by email letting me know my options this is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed these innacuracies with company and my issue was not fixed company is reporting multiple innacuracies on this closed account payment history and balances is different across all bureaus i requested proof of account payments being late to no response instead company updated my credit report with more late payments with no proof I am requesting for this trade line to be removed from my credit report for failure to accurately report I have attached how account history is being reported across all bureaus thank you.
Product: Checking or savings account

I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to. 

I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX. 

Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution. 

I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus. 

Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.