23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient account was on my credit report from a private student loan for a school that I XXXX  in XXXX. The school was named XXXX XXXX XXXX located in XXXX. The school was shut down due to being a fraud school years ago .At the time XXXX XXXX XXXX their loans. Then Navient bought them. I paid on that loan for many years which the sum was {$XXXX} around about XXXXThis loan is now XXXX years old. And Navient placed a charge off on my credit report this year in XXXX and took XXXX points from my XXXX XXXX. I believe thats unfair that they can take XXXX points off your XXXX XXXX and still want the same amount of money for a loan that I paid on for years and the balance still remains the same. This loan was also included in XXXX  because my mom was a co-signer on the account. She filed many years ago. Navient knows this loan is fraud and still wants money. This school was shut down for being a paper mill with false practices financially for students. And their loans as well. I shouldnt have to be paying Navient for a school that closed down for false misreputation.
Product: Prepaid card

I bought the card on XX/XX/XXXX. I was able to use it for a couple of transactions, and now I can't use it anywhere. I still have a balance of {$300.00} on the card yet it is declined every time I try to use it. The latest transaction the was declined was this morning, XX/XX/XXXX for something that was much less than the balance on the card. I've tried numerous times to contact AmEx, but they keep sending me back to the phone number to activate the card. I can not contact anyone to find out why this is not working.
Product: Vehicle loan or lease

I owned a XXXX XXXX XXXX XXXX leased vehicle. A few months before the end of the lease, I received an email from Audi Financial stating that my lease is approaching and I might be eligible for a waiver. To make sure that the email is legit I discussed with the dealer and was assured that I won't be liable for the remaining payments if I exchange the car. Therefore, I agreed to verbal terms and exchange my existing car with a newer model because the XXXX XXXX had safety issues and XXXX wasn't able to fix it. 
Through the lease term, I reported many issues that the car XXXX was faulty which caused the rearview camera to go black and the safety sensors of the car did not work. Because of that, the rear tailgate light broke while backing up. 
On XX/XX/XXXX I leased an XXXX XXXX XXXX from XXXX XXXX of XXXX. They delivered the car to my residence and took the XXXX XXXX. Around XX/XX/XXXX I received a final bill from Audi financial. The statement was dated XX/XX/XXXX. Upon reviewing the bill I contacted Audi financial immediately to discuss the matter. The gentlemen told me that they might be received a check from the dealership and advised me to contact the dealer to follow up. I followed the advice and contacted the dealer who also advised me to deal with the Audi financial. 
On XX/XX/XXXX I contacted Audi financial again and discussed the matter with XXXX Id # XXXX. Going over and over XXXX advised dealing with the dealership. She also offered a settlement of {$700.00} which I believe is ridiculous during the current COVID lockdown when almost every barely meeting income need to be current on the financial obligations. And when I brought this up to her she did not care. Indeed XXXX advised me to discuss the matter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Following XXXX 's advice, I called the number and reached out to Audi Financial. This time XXXX told me the thing and advised me to contact the dealer. So after taking advice by contacting the dealer I found out that nobody is available to talk except the operator who will get the detail and call back. As a victim in this situation, I feel like this communication will be never-ending and they are bouncing me like a ball. Therefore I am taking all necessary action to resolve this matter.
Product: Mortgage

In XXXX we built our home at XXXX XXXX XXXX , XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone A5 and we had to purchase flood insurance in the amount of {$390.00} paid at closing. 

In XXXX we received a letter from XXXX XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX XXXX on XX/XX/XXXX. 

In XXXX we refinanced our 2nd mortgage and obtained two Appraisals to accommodate the 2nd mortgage. Both appraisals indicated the home was located in Flood Zone X and included a FEMA Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly A5. 

XX/XX/XXXX, XXXX XXXX flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 

Attached is all the supporting documentation.
Product: Debt collection

I have notified Second Round, LP that this is a conflict of interest. They have placed the debt to be collected by my previous employer named XXXX XXXX XXXX XXXX XXXX XXXX I worked with the company and prior to them merging I worked there for 5 years. I know most of the XXXX personally. My sister even works for the company. Now my friends know my personal information that I have a debt that I am being sued about. This has caused me both embarrassment in regards to my personal information. And, also when XXXX XXXX XXXX sent the process server to my property he trespassed and scared my children. He was screaming in the windows. My family had to call the police to come remove the process server from the property. When the process server presented himself he identified himself as a detective. Which is not true. I have contacted both the client Second Round, LP and XXXX XXXX  XXXX about the issues and neither has removed my account or transferred to another company.
Product: Credit card

On XX/XX/XXXX, I made a payment to CitiBank to pay off the remaining balance on my balance transfer offer in the amount of {$2400.00} that is due on XX/XX/XXXX. The payment was not allocated to the balance transfer to pay it off ; it was allocated to the highest interest-bearing amount, then to the balance transfer payoff, which would not completely payoff my balance transfer by the due date of XX/XX/XXXX resulting in interest being charged to the remaining balance of my balance transfer. 

I spoke with CitiBank on XX/XX/XXXX, to ensure the payment I submitted in the amount of {$2400.00} would be allocated to pay off my balance transfer that was expiring on XX/XX/XXXX. I first spoke with XXXX, who was very helpful in letting me know she could not help and would need to transfer me to a supervisor. The supervisor I spoke with also could not reallocate my payment, so I was transferred to his supervisor, XXXX. XXXX was less than helpful in stating no CitiBank employee could process a reallocation of my payment. A referral was to be submitted, but they could not guarantee the allocation would take place to pay off my balance transfer in the amount of {$2400.00}. I asked to speak with XXXX 's supervisor, and she advised me she was the supervisor for account services, and I would need to contact the corporate office, which she offered to provide me with the address, as well as letting me know that no one at the corporate office has the ability to reallocate the payment I made and it would take 15 or more business days for the corporate office to get back to me. 

According to the CARD Act of 2009, " A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance on which interest is deferred during the last 2 billing cycles immediately preceding the expiration of the period during which the interest is deferred. '' Therefore, my payment should have been allocated to my balance transfer that was expiring on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX i was inquired by XXXX XXXX i have no knowledge of this such actions and would like if they were taken off my credit report .... i called XXXX XXXX they looked under my credit report and couldn't find it also..
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXXXXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Payday loan, title loan, or personal loan

I took out a debt consolidation loan 2 years ago, I finally got it paid off last month. Ive been overpaying my monthly bill for roughly XXXX months thinking the additional payments were going towards the principle. Unfortunately, the additional payments were taken in interest. I called Upgrade and they told me that I had to call in to make additional payments if I wanted them applied to the principle. My monthly payments were {$270.00} but I paid $ 300 monthly since XXXX of XXXX. 

In XXXX of XXXX, I noticed the additional payment option on their website after paying faithfully for a year and a half. There were several months that I did not have a payment but decided to make a payment to pay the balance down faster. The company is refusing to reverse to the additional payments ( they told me I had 30 days to reverse payments ) that Ive made and they are refusing to refund me. Those additional payments were not principle payments, interest was taken, yet again. Its been 4 months and they are constantly giving me the run around. Is there anything I can do to fight this?
Product: Consumer Loan

I asked for GAP insurance but was blindsided with a cheap warranty from XXXX. Now that the lease is totaled out by my insurance, XXXX wants me to payoff the remaining XXXX dollars that my GAP insurance was supposed to have covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$620.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$75.00} XXXX XXXX AND XXXX ACCT : XXXX XXXX : {$59.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Transunion is violating multiple consent orders, state laws, public policies and cdd rules. 
My name is XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Fair Collections And Out and it is showing on my credit report without my consent. I have no contract with Fair Collections And Out and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX I am also requesting validation not verification i want to know who was spoken with when and how they have first hand knowledge i need to see the original document as required by law showing i signed for said debt. If they're claiming to have bought said debt i require proof of purchase with the amount paid. If this can not be complied with or removed within 15 days i will be suing for damages and attorney fees. 

the specific accounts i want removed are XXXXXXXX XXXX and out XXXXXXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Mr./Ms. XXXX XXXX XXXX XXXX XXXX Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY XXXX Sent via XXXX XXXX Return Receipt Dear XXXX, I received your letter dated XX/XX/XXXX. This letter is a direct response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), copy enclosed for ease of reference. 

With reference to your letter, I would like to correct some facts for the record : Citibank claims in the XXXX  line of the letter ( XX/XX/XXXX ) that I opened an account in XXXX and was awarded a Platinum Select Card. For the record, I moved to the United States in XXXX and was not in a position to open an account with Citibank since, at that time, I was unemployed and was in the process of establishing the necessary residency paperwork. That being said, I did not open an account with Citibank nor was I in possession of any credit cards. 

Citibank claims that I owe a large debt on a Platinum Select Card ; however, I have never received any notice of this debt and I do not owe this debt. 

Citibanks attorney claims that I was served with a notice and that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have never lived in XXXX XXXX, NJ, and I never been served since I have been a resident of the State of Virginia  for more than a decade. It appears that Citibank is aware that I do not live in New Jersey since your letter was addressed correctly to my Virginia address. 

It has come to my attention that Citibank may be pursuing garnishment of my wages for a debt that I am not responsible for and would seek legal counsel to protect my interest. 

Please correct your records accordingly and inform all Citibanks legal representatives of these errors. I would appreciate if you would inform me when this matter is resolved. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other 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 items XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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
Product: Debt collection

Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX FALSE LATE PAYMENT ON MY REPORT XXXX XXXXFALSE LATE PAYMENT ON MY REPORT ACCOUNT # XXXX THIS COMPANY HAS TERRIBLE CUSTOMER SERVICE FOR STARTERS. 


i reported fraud on my account with this company and they refused to even investigate or fix my account issue. 

i wrote letters for more than a year now and it remains on my credit report. 

my wallet was stolen and my XXXX. my extra card was in both my phone and wallet.. i did not reconize the transactions so i begged for answers and nothing, staff was rude and careless. this has hurt my credit so bad. i couldnt even get into my account because the old number wasnt mine anymore, i wrote emails and called. 

they only responded after the late payment hit my account. then they closed the account so now its hurting my credit SO BAD
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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, credit repair services, or other personal consumer reports

I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And Experian report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Product: Student loan

XX/XX/XXXX, Navient debt collection agency XXXX XXXX XXXX XXXX offered a student loan debt settlement for {$11000.00} for a {$66.00}, XXXX student loan debt. The agreement was to pay on time from XX/XX/XXXX to XX/XX/XXXX {$110.00} every pay period. The document states 96 installment, and the payments are to be received before the dates indicated in the document. Once the account is recorded as settled upon clearance of the final remittance then no further payments will be due. So, I took the offer and received the settlement agreement paperwork. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to pay the remaining balance of the student loan settlement. As I spoke to the gentlemen on the phone he stated " we do not have have your loan anymore and sent it back to the lender ''. Neither Navient or XXXX XXXX mailed or notified me of these changes. 

After the telephone call, XX/XX/XXXX was the last payment taken from XXXX XXXX XXXX and I am now currently several payment behind due to the lack of communication from both parties.