23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was doing automatic payments via my bank check account, my school enrolled me in school again and Navient, instead of calling me or email me to the designated email I assign to contact me, they did deferment of payments when I started the school enrollment accruing taxes. At the time my school enrolled me, I was taking care of my Daughter, she got really sick in those days going on and off from the hospital for 4 months ; finally on XX/XX/2016 she got XXXX and now is doing better. They made all this changes in that period of time. Since was an automatic payment, I did not care to check if they were taking the money of my account or not. Recently when I needed to take a copy of my XXXX I noticed the interest was XXXX to deduct from my loan, I contacted them and they told me they sent me emails to my primary email which they never did about the deferment of payments. Today I saw that they sent me emails to my Navient 's account. I am still a student and will be in the next months until XX/XX/XXXX, and I received a letter that I will start my payments in XX/XX/XXXX, So if by law they need to defer payments while you are enrolled in school, why they will restart the repayments in XX/XX/XXXX. I told them is not fair they did not notified me and they told me I needed to know the rules about payments. Their answering service for claims is an outsource company and you can not speak with a manager. I think they need to be punished not notifying clients about changes in their accounts to their personal emails. In my profile its stated which is my preferred email to be contacted and they did not do it as requested. Also, when I was a student, I chose the option to pay my interests monthly while in school, they never contact me for payments and they accrued a considerable amount of money, you can check the documents they should have on file. Also they need to be penalized for not following the borrowers wishes and choices. I come from XXXX, everything with loans is new for me. I think that they purposely do not explain things so you pay more interests. Thanks, My phone number is XXXX, My email is XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX / XXXX XXXX Balance Owed : {$0.00}.
Product: Mortgage

In XXXX of 2017 after the hurricane. XXXX XXXX told me i can stop paying the mortgage for 3 months because of the disaster then i can start paying again after the three months XXXX XXXX didnt tell me they wanted to modify the loan! I did n't ask them for a loan modification and they didnt ask me if I was interested in it they proceeded to do moduficstion without my consent and undrstanding of their process. I am scared and worried because of XXXX XXXX! 
I find them to be very misleading and dishonest. Now they are sending me a bill for over 1800 pet month!. I ghought they were going to add the three months to the back of the mortgage! 
They are very bad. I do not trust them. I wonder if others are having this problem as well. Please stop them from misleading homeowners
Product: Debt or credit management

I did a short sale in XX/XX/XXXX, where the same law firm represented the buyer and the seller, which I was not aware of until after the transaction was completed. I moved out of my home prior to the closing date in XX/XX/XXXX. New buyers moved into the property after the closing date ( XX/XX/XXXX ). Later on I found out from the XXXX XXXX XXXX that the short sale was never recorded and the attorneys at the law firm stole the money, the down payment from XXXX XXXX ( buyer ) paid to XXXX XXXX 's law office. The deed was never recorded and the property remained in my name and my underlying mortgage was not paid. 

Confessions of judgment in which both XXXX and XXXX acknowledged receipt of mortgage loan funds ( {$310000.00} ) from XXXX  XXXX XXXX on behalf of XXXX XXXX for the purchase of the property. Both attorneys were indicted. On XX/XX/XXXX, XXXX XXXX, plead guilty to XXXX XXXX XXXX XXXX XXXX in the first degree and grand larceny in the second degree, she admitted to the fraud and misappropriation of funds. On XX/XX/XXXX XXXX XXXX XXXX, XXXX pled guilty to Criminal facilitation in the fourth degree, he admitted to being responsible for facilitating the fraud and misappropriation of the funds committed by XXXX XXXX. 

New owners took possession of the property ( XXXX family house ) and after finding out that the property was not transferred to them, they continued to live in the house ( for free ) not paying the mortgage or rent to me while collecting rent from the 2nd floor and basement apartment. They lived on the property from XX/XX/XXXX ( after closing date ) until XX/XX/XXXX which was when I was finally able to evict them. My bank PHH Mortgage started a foreclosure proceeding against me in XX/XX/XXXX and knowing all the facts that I had not possession or occupancy of the property and the Persaud took possession of the property and occupied the property they are now refusing to do a loan modification. I am begging for your help in trying to get this matter resolved once and for all. I am a XXXX  mother with XXXX girls and my home was robbed from me and now that I finally got possession of my home again the bank is refusing to do a modification on the loan and it trying to foreclose.
Product: Mortgage

We paid off our mortgage last year and SPS has not sent us any year end tax info. The account is closed and I can not even log in to try and down load the tax info. I need to file my taxes.
Product: Credit reporting or other personal consumer reports

We got this vehicle back on XXXX XXXX it has been XXXX years and XXXX months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to Santander and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.
Product: Credit card

Ordered XXXX package from XXXX XXXX they charged me on the XXXX and the XXXX of each month. Do not have the service and only ordered XXXX package which I received in XXXX but after so much trouble trying to settle with XXXX went to the Wells Fargo Credit card and they continued to deny the claim. Have over XXXX for services I did not receive and was double charged. Have no response from XXXX nor the bank. I will have to cancel the credit card since I am still getting charged and still do not have the service.

See attached from the bank and letter to the bank.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes in regards to accounts that appear on my credit report due to identity theft and data breaches by companies failing to protect my information. Im attaching a letter to this complaint.
Product: Credit card

I already had disputes with Concora due to giving me CC then locking me out and wanting me to send ID to some random place. 

Eventually I caved. 

Even got XXXX cards. 

Been paying perfectly. Same exact checking account. 

Got a third card. 

Paid all three. 

Now frozen for XXXX weeks and maybe gon na lock me out. 

Not used online due to how touchy this company is. 

Literally froze me out due to paying off my balance. 

Maybe they're afraid XXXX close the account and this is their way of holding funds? 

XXXX either way. 

Been a customer half a year. 

Took you almost XXXX months to request ID through XXXX .... and you got it. A XXXX citizen 's ID sent through an XXXX center. Real secure. 

And you lock another card. 

No answer except " it may happen ''. 

After " XXXX questions '' basically they say that if you pay a card, they may randomly hold your money for XXXX weeks, period. Deal with it. 

I woulda paid a different card..
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I received a notice from XXXX XXXX XXXX XX/XX/2016 ( XXXX ). The charge says it was from XXXX XXXX XXXX. I called XXXX and told them I was unaware of any bill and if it was a result of a recent ER visit. My insurance paid all of that. 

XXXX XXXX was very rude and would not give me phone information nor address of XXXX XXXX XXXX. I tried my best to search them down. There is not a listing for them in the XXXX, TN or anywhere on the internet. I contacted the ER, the ER doctors and all bills have been paid. They never heard of XXXX XXXX XXXX. 

This collection agency is a fraud. I have seen other posts where they have done the same thing to others. I have tried to dispute the charge on XXXX but they responded with the charge was verified by XXXX. Well of course it is because they are the ones that filed the complaint to begin with. 

This is VERY WRONG. If there was a charge, I offered to give them my insurance info so they could be sure if the bill was indeed verifiable, they could file lthe claim with my insurance company. 

Please help. This is very frustrating. I have tried to keep a good credit. Paid off my car loan and am current on my student loan. I my XXXX bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my rein-investigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). 

Equifax also sent a letter stating that they have outdated information. 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX. XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX ( PAID OFF ) ' XXXX XXXX XXXX  Account number XXXX ( PAID OFF ) They did not modify or delete the inaccurate information on my consumer report to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$16000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have not applied for a Citi XXXX but was notified in late XXXX or early XXXX by my XXXX XXXX account that there was activity on my credit history. I responded to XXXX that I had not applied for any credit and they are in the process of investigating the matter. In the meantime, I received a letter in the mail with a new Citi XXXX ending in XXXX with a XXXX XXXX of {$9400.00}. and XXXX XXXX XXXX of {$2900.00}. I have repeatedly tried to call Citi and have spent a significant amount of time getting bumped around on their ridiculous phone system without ever being connected to an individual. Every phone # I call requires that I either enter my Social Security # or the Credit Card #, neither of which am I comfortable providing since I never applied for this card. 

I have no idea how Citi got my social security number, accessed my credit, or issued a credit card in my name. I would like Citi to immediately terminate the card, update and correct my credit report to reflect that they erroneously issued a card and never, ever contact me again. 

Thank you in advance.
Product: Debt collection

I have had a lot of collections from the year XXXX and before The thing was is I was XXXX XXXX XXXX XXXX XXXX I did not have the capability to open any lines of credit. There was someone in my household or someone outside of my household who got a hold of my information and either took advantage of me or knew of my situation from XX/XX/XXXX until the end of XXXX. Anything after XX/XX/XXXX and before XX/XX/XXXX I did not try to do on my credit at all. I've gotten almost all of the false charges removed from my credit. I've been monitoring my credit for the last year and I've never seen this at all I check it everyday and all the sudden this just popped up. I did not ask for this credit card nor did I use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Checking or savings account

PNC doesn't allow 3rd party linking of bank accounts. Specifically the company XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I reached out to XXXX, Equifax, and XXXX to dispute inaccurate information on my consumer report. Unfortunately, there has been little to no action taken to address these issues, and the investigation appears to have been incomplete. The inaccuracies on my report remain unresolved, and according to the law, they should be deleted immediately. I also filed a report with the FTC, but no further action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not report any score, any file, nothing. Preventing me from credit, loans, etc from any one that uses them. It isn't locked, but possibly " split '' from two many " soft pulls '' and it's impossible to find the right person that knows how to fix it. Additionally, if anything is found, the credit bureaus seem to not delete anything derogatory that is older than 3 years, despite the NYS statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, ima writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commissions identity theft affidavit. 
Please delete the items XXXX soon as possible
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the XXXX XXXX XXXX XXXX of XXXX. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$110.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$110.00} Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX someone get access to my bank account information in this day some make a deposit of XXXX in my account with a check of social security. The took 45 days to realize the check was fraudulent. I really do n't understand what it took so long because first my last name was spelled wrong, second it 's not my signature in the check and third I received my check tru direct deposit never a regular check I revived the second wensday of the month. My account when overdrawn in the XXXX XXXX later the bank do n't even call me or informed me about the situation. The personal i went to XXXX different sulcus also in the XXXX area bad they treat myself like a common criminal I will not recommend this bank to fellow soldiers the way they treat me. At the moment I wax dealing leaving my residence due domestic violence where I was the victim due to this problem I sleep 4 days in car. Now I have abd apartment thanks to the wounded warrior program what I 'm grateful for the help. I do n't own a bed or tv or nothing besides pans and food due the domestic violence. On top of all this deal with the personal of this bank that do n't care about the client and do n't even offer a solution to the problem really disappointed I 'm closing the account with them
Product: Credit reporting

XX/XX/XXXX, I issued a complaint regarding equip ax having incorrect information on my credit report. They were putting bad credit issues that belonged to a XXXX XXXX, who is not me on my report. XX/XX/XXXX they sent me a letter that they had removed that information and put an extended fraud alert and blocked my file for promotional purposes until XX/XX/XXXX. Yep, it just expired and I 'm already getting creditor calls for a XXXX XXXX! Obviously they never fixed the problem. I understood the problem was XXXX XXXX 's social security number has the last same XXXX digits, but somewhere in the middle it 's different. How do I make Equfax stop reporting false information? Do I need to get my attorney involved? This is pure harassment from them and it 's been going on for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A sub-prime lender I am having problems with a warranty issue for a vehicle loan. Marked me 30 Days late on my account. This only occurred when I have a current dispute with a warranty I am trying to get refunded. Which i reached out to the dealer for possible Fraud. 

I have submitted my bank accounts statements as to when the payment was made. XX/XX/XXXX was the due date. Which was a Saturday. They posted my payment on Monday the XXXX. Or I believe they may have said the XXXX. In any case I paid on the XXXX. 

I do NOT have one late payment to that account. Nor do I have any late payments on my credit report for any account I have. All my accounts get paid on time. The balance in my checking account was more than 50 times the amount of the payment. The funds were available. 

They refuse to correct the 30 days late and it is causing major financial difficulties. 

My score went from XXXX to XXXX. From that one FALSE late payment in that account I am disputing. This is unfair. Especially during a pandemic I am struggling to keep everything current and they are falsifying or not taking the time to research the paid item.