23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient Solutions keeps contacting me the last time they contacted a gentleman kept stating I need to pay my loan in full for {$36000.00}. I stated to the gentleman I do not have that type of money and stated as all my calls from Navient are recorded calls I dated every time I needed my loan payments lowered due to loosing my job and not being able to afford the high payments. I stated I could only pay {$25.00} a month as I have many bills to pay. The gentleman told me to post date a payment and I stated I need an email stating this information because I will not just give anyone my person information. This gentleman is unprofessional and is very demanding. The telephone number that keeps contacting me is XXXX. 

I have the voicemail messages if needed
Product: Credit card or prepaid card

I applied for a credit card through the Credit Karma website guaranteed to be approved or Credit Karma would provide a {$50.00}. 

I was not approved. After several months I finally got an email from XXXX on XX/XX/2023 stating that I would receive instructions for redeeming the card. A month later no instructions and no card. I have contacted XXXX 5 times this week alone at their support email and the email address for the XX/XX/XXXX email. I received answers to my first 2 emails with a canned response about how the guarantree works and that I would have to be approved. On all emails I sent to the company I advised them that I had been approved as per the XX/XX/XXXX email. This fact was ignored on all emails. They stopped responding altogether after the second email and are just now ignoring me. It should be mentioned that XXXX has had legal problems about this type of scams and has been found guilty with a XXXX XXXX penalty. I filed a fraud complaint with the FTC, case number XXXX. The XXXX case number is XXXX. It appears this is another XXXX scam that has now been lingering for several months. As I advised on my emails, there is nothing on my spam folder either - I knew this would be their next excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.
Product: Debt collection

XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please correct the account 's information : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Student loan

I have called and sent documents and filled out forms and spend HOURS on the phone either waiting to speak to someone or speaking to someone and still the issue has not been resolved. MOHELA is stating that I need to resume payments when I have made well over the XXXX payments required for forgiveness under the new XXXX criteria. When my loan was transferred to MOHELA from XXXX, all of my payments were not applied to my account and I have submitted documentation showing payments as far back as XXXX  when the XXXX program started. At this point, I am being told I need to resume payments when in fact, I should be owed a refund. I have asked over and over again for a manual count to get credit for all payments through XXXX and when I speak to a representative, they all agree yet NOTHING has been done. I have uploaded documents and mailed documents and faxed documents and still, nothing has changed. I am in the process of seeking legal counsel which I will also ask MOHELA to pay the fees incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to SYNCB bank and explain to them that I dont recall applying for any credit limit with them on the dates of XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to XXXX  via certified mail in which they have received about fraudulent inquiries on my account. Til this day XXXX havent updated nor removed the information. Ill attach letter for further review. And if updated Id like to know the people in whom XXXX spoke with specifically to verify these inaccuracies. If not I will be taking legal action.
Product: Checking or savings account

On the company 's website they state that the CD holder has a 10 day grace period following the maturity date. When I tried to close my account two days after my maturity date ( the day before their website was down ) XXXX XXXX XXXX XXXXXXXX XXXX said because I told the bank to renew the account, they renewed it, which is fine because that is what I thought was fine. The reason for waiting is to find out what the update interest rates will be. They mention on their website that it is XXXX  at maturity date. I decided I did not like that rate and wanted to close it. When I called to close my account they said that I will receive an early withdrawal penalty which is not what is written on the website. When talking with XXXX on the phone he said that I had the option for the bank to do nothing with my money until maturity date but after 10 days the bank will automatically renew my cd with the current rate. Therefore, my complaint is about the inaccurate information on their maturity date process. It is misleading and at the end of my term, I ended up having to pay a penalty for an action that was very unclear.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I filed a complaint thru the CFPB against TransUnion complaint # XXXX & stated that US DEPT of ED had fraudulent accounts on my credit profile that need to be removed immediately. I also included a copy of my police report My complaint was supposedly " investigated '' however these items STILL remain on my report : DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} TransUnions response to my CFPB complaint was XXXX we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. Based on your request to add an extended fraud alert to your credit report, we sent you a letter to confirm the alert has been added ' How exactly did the creditors 'verify ' my information?? 
And I did NOT ask for a Fraud Alert to be placed on my credit report either According to 15 USC 1681 a3, you ( TransUnion ) assumed this role without permission, not only that you ( TransUnion ), did NOT have my consent.

You ( TransUnion ), did NOT respect my right to privacy which is stated under 15 USC 1681 a4. You ( TransUnion ), did NOT exercise your grave responsibility, you were unfair, AND you were partial.

If this is not resolved to my satisfaction this time I do plan to file a complaint with the Attorney General.

You ( TransUnion ), never had a permissible purpose Under 1681 b2.

I never instructed you to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} You can also delete any old names, addresses and phone numbers completely.
Product: Debt collection

I did join the gym. I took out a membership. I stopped going to the gym due to a racist employee working. I pay my bill just as any one else would. I agreed to pay the cancel fee and all. But the manager never would call me or face me face to face. The only person I ever seen was the rude employee. I left # serval times and called no one ever called me back. Now I call to this day and I 'm informed they ca n't take this off my credit and they apologize bc they are the new owners and that was XXXX their time.I ca n't help the manger never called. They was n't ever in the building and I 'm not going any place that I do n't feel welcomed.I paid my bill and always went. I just wanted to be treated with respect which I did n't get. This should n't have ever got reported to my credit. I agreed to pay cancel fee the manger needs to man up and call me or talk face to face. I 'm not the only XXXX in this situation. And it 's sad a manager ca n't call a member personal and talk on XXXX and solve the issue. No wonder why they had to find new Owner 's. Now the new ownersowners claim its nothing to do with them it was XXXX their time to take it up with collectors that they would agree to take it off my credit but they did n't know how to go about doing it. Do I need to get a attorney to help me get this removed??????
Product: Mortgage

The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.
Product: Debt collection

Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items.
Product: Checking or savings account

On XX/XX/year> I disputed seven transactions. Four of them were on XX/XX/year> for {$200.00}. One was {$200.00} on XX/XX/year>. Two were for {$61.00} and {$10.00} on XX/XX/year>. These transactions were conducted using an unauthorized mailed new debit card in my name and with my SSN. 

I received provisional credit for the reported fraudulent transactions on XX/XX/year>. Ally dispute team decided to rescind provisional credit on XX/XX/year> and in XXXX notified me that they decided that without a police report or further evidence or a police report, the fraudulent transactions were declared valid transactions. 

I called Ally in XXXX for further information on reevaluation of case for transaction dispute, customer service rep notified me to submit police report for further review. I filed police report on XX/XX/XXXX. Police Report was approved on XX/XX/XXXX with XXXX Police, and I submitted to Ally with help of customer service representative. 

On XX/XX/XXXX, I called to check in on review of my police report. Customer service rep from transaction dispute team tells me that customer service rep was dishonest and that I could not submit a police report for a new review of transaction. On XX/XX/XXXX, Ally closes my account due to negative balance and refuses to review submitted police report. Account was in negative for one month since XX/XX/XXXX. I refused to keep balance at XXXX as account was in negative as a result of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4 dispute letters to Equifax since XXXX of 2020 asking them to investigate these accounts and I have yet to receive a written a response or see any updates to my credit report.
Product: Debt collection

I have asked this company on several occasions to provide any and all documentation of the debt that they think I owe and they have not done so. They simply say i owe the debt they need to provide a chain of documents linking me to the debt and verify that it is indeed a valid debt.
Product: Checking or savings account

On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I C SYSTEM has a deby on my credit report that is inaccurate. I have a current account with XXXX XXXX XXXX. I am on the the PIPP program to pay of the XXXX dollar amount that is said to be owed to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/scrub>/2025 Disputed Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victum of XXXX XXXX XXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXX Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with Equifax by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with Equifax and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Product: Mortgage

XX/XX/XXXX our mortgage was purchased by freedom mortgage. On XX/XX/XXXX they claim to have issued a escrow analysis. We never received it. With no other communication we were unaware our mortgage payment was going up. I have our payments set to autopay from our bank account. I called freedom mortgage on XX/XX/XXXX when I received a letter stating that they did not receive my my payment. After some digging it was discovered that they increased our monthly payment due to a shortage in the escrow. The shortage in the escrow was due to freedom mortgage payment my property taxes as well as property taxes for another parcel not owned by us. They did receive my payment for XXXX installment but it was short the adjusted amount we were unaware of. Because it was not a full payment, they placed the payment in an unapplied funds account. They stated that they did in fact perform the error as it relates to my escrow payment for taxes. However, until they received the money back from XXXX XXXX I needed to pay the inflated monthly payment and I would eventually get my money back. This is unacceptable for the customer to have to pay an incorrect inflated payment due to an error on behalf of the mortgage company. Not only that, but the late payment notice was issued XX/XX/XXXX ( XXXX days before the grace period ends ) and stated I needed to pay {$1900.00} which is what I had already paid. In addition their XXXX states my minimum payment due is {$1900.00} as well. The representatives I spoke with regarding this both said the correspondence is incorrect and the XXXX is also incorrect. How can anyone trust a company that can not communicate accurately via writing and their automated ivr the correct information? 
As of today XX/XX/XXXX ; freedom mortgage still refuses to apply my {$1900.00} to my mortgage loan while they sort out the escrow error on their end. They have threatened to charge late fees and report my late payment to the credit bureau. Im scheduled to make my next loan payment XX/XX/XXXX and they are stating it must be the new payment amount of {$2000.00} plus any delinquency. Again, why is the customer having to foot the bill for the mortgage companys mistake? An escrow issue should not impact my principle and interest.