23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My husband and I both have student loans with Navient. They will not combine our loans into XXXX - but yet they are using our joint income to make us make large payments on single loans. I have been trying for over a year to get this either combined or our income separated, but they are refusing to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report related to an account with XXXX, account number XXXX. According to the information provided by your agency, the account has been charged off and sent to collections, and also shows as 120 days past due. However, this information is inaccurate. 

As per the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities.

Furthermore, 15 U.S. Code 1681s2 requires furnishers of information to provide accurate information to consumer reporting agencies. Reporting a charge off and collection account for an amount that has been claimed as income on my taxes is a violation of this law. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered fraudlent accounts and unauthorized inquiries linked to my profile. These are not affiliated with me, and I never authorized themXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX A XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have been a victim of Identity Theft and have been harrassed by XXXX XXXX for over 2 years of trying to dispute this issue. They are collecting for Capital One account that was opening fraudulently. Each time I spent hours on the phone with a XXXX XXXX associate just to be contacted again the following day by another XXXX XXXX XXXX to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.
Product: Credit card or prepaid card

To Whom It May Concern : I have been with American Express for 26 years. I had to leave the country to take care of my father who had passed away and in the interim I had to deal with two other deaths in two months apart all of them. 
I could not make the payments from overseas. 
American Express started to give me a hard time in 2021 and I tried really hard to make the payments to American Express. They were very rapid at closing my accounts and not giving me access to their website to make payments. They sent me to collections immediately and had three different places trying to collect the payments. One was from American Express and two different law firms. I tried to call American Express and they refused to talk to me and said the accounts have been closed that I should refer to the law firms. I tried really hard calling multiple times calling the law firms in which they didn't know what accounts they were collecting from and for what amounts. In addition what was the APR. I looked up their background and they had a very poor rating. Soon after I left messages for these firms I started to get texts to click on links and also get fraudulent emails. They were trying to hack me according to XXXX. This was very concerning and I said to American Express that they were the only company that didn't allow me to pay them directly or allow payment. This continued for months to the point where I sent an email to the CEO of American Express in which I had a correspondence and he said he was going to look into what was happening. I never heard back from anyone. I did a follow up and then a different person answered saying that I should deal with other law firms. Because of the amount of time they allowed to transpire they have hurt my credit and my XXXX score. They have charged off my accounts and hurt me drastically since my longest standing record was with American Express. Up until now they continue to delegate fraud and collect money and not show any balances because I have XXXX access to American Express. It all has caused stress, XXXX, physical health and time away from work. I hope someone could help me. P.S. I would rather not attach the email from the CEO but I will provide it privately.
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error Upon conducting a recent examination of XXXX XXXX history. I discovered a substantial number of XXXX  issues under 15 U.S. Code 1666 ( b ) billing error. ( XXXX ) The cruditor 's inability to truthfully depict an obligation payment or credit that was givor to the debtor on a statement ( XXXX ) A computation error or other similar accounting error on a creditor 's statement. XXXX conducting a recent examination of my credit report, XXXX discovered a substantial amount of discrepancies Based on my understanding. the creditor failed to furnish me with a statement at least XXXX  days in advance, so precluding any occurrence of late payments an this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status. which can be attributed to an evident XXXX  error. 
XXXX owed was paid the day before scheduled due date
Product: Debt collection

Initially, company called and left a voicemail to call them back. A week later, they called again and asked me for my address and name saying they want to discuss a " business matter. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been asking XXXX, XXXX and TransUnion for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, Transunion and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, XXXX and TransUnion are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, XXXX and TransUnion allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, XXXX and Transunion has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, Transunion nor XXXX provided any. XXXX is retaining legal counsel against XXXX, XXXX and Transunion if these acts of libel and false reports continue to ruin his credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute my report from experian and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old. 
Also, the same issue with XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am filling this complaint against Experian because they are in constant violation Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I have asked them two times to verify a XXXX account. They said they verfied this account accordingly. But I argue XXXX said they don't have this account and was sold to a collection agency as you can see with the letter I have attached. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX X Date : XX/XX/2010 Amount : {$15000.00}
Product: Vehicle loan or lease

Check was sent by my bank on to arrive XXXX like all previous payments. It was not applied to my account - after several calls to HMF, I made a payment online on XX/XX/XXXX so as not to be late and filed investigation with my bank. The bank investigated and found the check was deposited by Hyundai Motor Finance on XX/XX/XXXX. I called the Hyundai Motor Finance and they asked I fax a copy. I faxed a copy on XXXX and I have confirmation ( attached ) - I called on XX/XX/XXXX and they said they did not receive it. I talked with a manager that refused to give his name and disconnected and provided no help in resolving this
Product: Credit card or prepaid card

When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.
Product: Debt collection

They relentlessly called my work, even though I am currently on short term XXXX, the refused to send me proper verification that the loan existed and they told my employees personal information, and even tried to tell them they would serve them papers to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On transuion and experian my credit reports, it shows inquries that are not mine, I have mailed disputes to tranusion and experian and xactus, and have contacted XACTUS directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XACTUS DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX XXXX also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " XXXX XXXX XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit cfpb
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital one misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for money, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Student loan

I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.
Product: Credit reporting or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting wrong and Trans Union information reporting wrong and information reporting wrong on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : - XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX & XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a secured credit card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Santander Consumer USA approved a car loan for me in XXXX with a very high interest rate of 19 %. I have been struggling to pay the note sometimes but I manage to make the payments. Back in XXXX I went to work on a different job so I was making the monthly payment as well as sending an extra XXXX to XXXX a month when the months had 5 weeks. I was sending XXXX extra a week they were taking XXXX a week in interest and applying XXXX a week to the principal even though I had my monthly payments auto debited from my account each month. The extra XXXX a week I was sending was suppose to be going toward the principal. After I had sent XXXX extra dollars and couldn't get Santander consumer to put those extra payments toward my principal I stopped sending extra. I got laid off from my job in XXXX of XXXX. I started sending in XXXX a week to cover my car note as I was getting unemployment payments for XXXX a week. and XXXX a week for 4 weeks is XXXX which will cover my note of XXXX I am having problems getting them to apply those payments correctly each month. I sent XXXX for 4 weeks in XXXX which was to cover my XXXX payment but every time I call them they give me a story. Back in XXXX when I paid the extra XXXX they told me that even though I had maid the extra payments it did not guarantee me that my principal balance would go down so I asked them to refund my XXXX since it did not reduce my principal balance and they told me XXXX of the extra XXXX a week i was sending was going to interest at which the interest had been satisfied for the month because i was paying my monthly payment plus the extra each week while I was working a good job. Please help me get my money back or at least applied correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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: Mortgage

I took a XXXX mortgage 3 years ago with XXXX XXXX XXXX XXXX XXXX for the property at XXXX XXXX XXXX, XXXX IN XXXX. My monthly payment including principle, interest and escrow was {$620.00} per month. I paid via auto payment without delay every month till XX/XX/2023. XXXX XXXX XXXX decided to change service providers as of XX/XX/2023. 

The new servicer - Dovenmuehle Mortgage , Inc. NMLS ID XXXX has doubled the monthly payment to {$1100.00} claiming that I have escrow debt but can not provide any proof to this debt and sending me to the previous servicer. 

I can not afford this payment and tried to clarify with the new servicer, however, if I am forced to pay this amount I will not be able to pay it and will end up losing my house. 

PLEASE HELP. The new servicer phone number is XXXX, XXXX XXXX