23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.
Product: Debt collection

I been a victim of identity theft so I'm requesting verification of the debt. Debt collector must comply with fdcpa. Im requesting copy of original written agreement between both parties with a signed signature by me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Since the beginning of XX/XX/XXXX, I have tried very hard to work with the Bank of America to get my account corrected. 

While their records indicated a delinquency All mortgage payments have been paid in full since the inception of my mortgage loan with them. Never once has a mortgage payment ever been late. In spite of my good payment history Bank of America was applying my mortgage payments to the wrong area and reflecting a delinquency which then initiated a modification to my loan. 

I have never once been late on one mortgage payment I have never requested a loan modification and I have never requested to be on a forbearance program yet Bank of America continues to not correct their mistakes. This has cost me a denial on a home loan application and I have had to go through special financing for a home loan which has cost me an extra {$3000.00} on a down payment and closing costs plus a 4.5 % interest rate Due to the adverse effect that Bank of America has had on my credit report. 

I have spoken to numerous Bank of America employees since the beginning of XX/XX/XXXXand they have failed to correct this problem. I will be selling this house and paying off this mortgage tomorrow which is XX/XX/2021 but the damage that Bank of America has cost me financially can not be undone. I would like a letter from Bank of America apologizing and proof that they have Written a letter to all three credit bureaus including XXXX and XXXX XXXX and XXXX XXXX describing my perfect payment history and correcting their erroneous negative reporting that I am making only partial payments
Product: Credit reporting or other personal consumer reports

Charge off from XXXX XXXX XXXX XXXX was supposed to be deleted on XX/XX/XXXX it wasn't deleted, first date of delinquency was XX/XX/XXXX account has been updating which is causing it to re age, charge off are supposed to be deleted after 7 years, I've sent letter to all XXXX company 's and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing to complain about Equifax 's egregious security breach that affected myself along with 143 million other Americans. Equifax 's own site confirmed that I was affected by this breach.
The company was aware of the breach but did not notify affected users immediately. Once they did notify the public, they took no immediate action to protect affected users.
Frankly, their whole business is about identity security, and they completely dropped the ball. They should be forced to provide identity fraud protection for every affected user indefinitely. It 's not like I can change my SSN!
Product: Credit reporting

In XXXX, 2016 XXXX inquiries were removed from my credit report and thereafter loved back on my file without written notification.
Product: Credit card

I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday XXXX.
Product: Credit reporting or other personal consumer reports

I requested verification from Equifax that an account was verified. I am/was a victim of identity theft. Equifax stated they verified this information with XXXX XXXX account number XXXX. I sent this letter asking to send me the information of the persons that Equifax contacted at XXXX. They sent me back a generic letter stating that I did not include either my DOB, address, or SS card which is untrue because I sent it certified with tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included copies of all that information ( attached ). 

Under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I have a right to request the verification methods process and am entitled to a response with that information within 15 days.

Equifax refuses to follow the procedures set forth in FCRA.
Product: Vehicle loan or lease

I have a monthly payment of {$740.00} on a vehicle loan of which I've paid on time since I opened in XXXX of 2021. When I try to make a payment through my usual method on the truist mobile banking application it says it will not accept money from a non truist account. All the payments I made since XXXX of been through a XXXX XXXX account and all processed successfully. I've tried reaching out to truist to figure out the problem and was on hold for two ad a half hours and still could not reach anyone. This feels like I'm being forced to open a truist bank account which I will not do because this feels very suspicious.
Product: Debt collection

Hello! 

I recently got mail forwarded to my current address, and just noticed the collection letter. I can pay it, but I was not aware it had been sent as the address it went to is in another state than I currently reside in and is not frequently checked. I had received no other form of contact that was able to reach me in ample time, as my phone is currently out of service and needs to be replaced. ( The phone number is good, I just haven't yet got the replacement! ) Letter sent out : XX/XX/XXXXXXXX  Date I received it : XX/XX/XXXX Amount of debt owed : {$14.00} Date listed in letter of when to dispute by : XX/XX/XXXXXXXX  Debt collector : Credit Collection Services Thank you!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I found a " rental '' home on XX/XX/year>. I signed a lease agreement for the place at XXXX XXXX XXXX XXXX XXXX, Connecticut, XXXX. The place matched on other websites and the " owner '', XXXX XXXX, sent me a copy of her Driver 's license to inform me of her. Her information was supposed to be XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX. I sent the " deposit '' via XXXX ( name of account was XXXX XXXX ) on XX/XX/year>XXXX  for {$1500.00} plus XXXX fees of {$43.00}. I also sent the rent for a total of {$1600.00} plus XXXX fees of {$43.00} on XX/XX/year>. The individual ( supposedly XXXX XXXX ) became suspicious to me, due to statements of funds not going through and asking for more money. The funds were confirmed to go through via XXXX and my bank, Navy Federal Credit Union. I confronted the " XXXX XXXX '' and he/she disappeared after stating it was between me and XXXX. I immediately notified XXXX and my bank, which was on XX/XX/year>. They stated that they would investigate then refund my money. Both XXXX and my bank had eachothers ' contact information to achieve this. Nothing happened. I followed up on XX/XX/year> and XXXX and the Bank blamed eachother for me not being refunded.
Product: Debt collection

I received a letter in the mail dated XX/XX/2021 from Credit Management stating that owe XXXX XXXX XXXX XXXX XXXX XXXX in the amt {$1900.00}, I didn't receive the letter until XX/XX/2021but the letter is dated for XX/XX/2021. I advised Credit Management that I have been a victim of identity theft and I have a police report. I was told by a company representative that I would have to send documents in to prove that I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX Revolving | Reported on XX/XX/XXXX Balance {$100.00} Limit {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reviewed my XXXX  credit report and compared it with XXXX  and XXXX. I noticed that XXXX  was not reporting my Navy Federal Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at XXXX  who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of XXXX. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that Navy Federal told them to remove the account from my file. XXXX  stated that they can't do nothing about. XXXX  disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my Navy Federal Credit Card accurately.
Product: Credit reporting or other personal consumer reports

I was XXXX during the time I was accused of having a credit card for this company.
Product: Mortgage

Exactly a year ago we got a mortgage in the amount of $ XXXX for our house. After a year of paying mortgage we have decided to payoff the loan as of XX/XX/year> since the company 's customer service is horrible and the loan interest is very high. The loan is as follows : Company borrowed from : XXXXXXXX XXXX, Toll-free : XXXX ( XXXX, XXXX XXXX ) | XXXX Loan Number : XXXX Payoff Amount : {$350000.00} Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Principal Balance {$340000.00} Total Interest : {$4000.00} Recording Fee : {$170.00} XXXX Release XXXX Fee : {$24.00} Payoff Amount : {$350000.00} {$24.00} We borrowed last year $ XXXX and paid a year of mortgage. It was mostly interest as they say Principal Balance after a year of paying mortgage of close to $ XXXX is {$340000.00}. And after contacting them over the month of XXXX many, many times now they say we need to pay another interest amount of {$4000.00} to close the account! The last mortgage paid was for XX/XX/year>. This means that we borrowed $ XXXX last year and after paying a year of mortgage we need to pay close to $ XXXX!!! In which world that works to borrow $ XXXX, pay a year of interest and then own more than we borrowed in the amount of $ XXXX? We have contacted the XXXX XXXX many times but no one has an explanation for us. We believe this is fraud. Could you please help us deal with this company and close our loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I was shocked. Why you put this information on my account. I have no idea where did you get it but its not mine.
Product: Debt collection

These matters are at a minimum intentional gross negligence and at worst just plain fraud, COMMONWEALTH FINANCIAL SYSTEMS XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX  days. It has been almost XXXX  days and I'm an in my right to ask for all the items to be taken off
Product: Money transfer, virtual currency, or money service

my account was restricted and closed for no reason after i withdrew a bit of money to my dads bank account. i sent in all requested documents and they still closed my account, they refuse to let me withdraw, and its impossible to contact support. it has been weeks and all my money is stuck and locked i cant pay my bills
Product: Vehicle loan or lease

I purchased a vehicle a month ago and got approved by Carvant Financial LLC. I have provided all the information to the dealership and was told everything was good to go and the loan was authorized to be funded. I have the paperwork to prove that to go with the approval letter. The dealer informed me that the owner of the company XXXX XXXX wanted the dealer to fix one of his vehicles before Carvant will release funds to the dealership. The dealership has all the necessary paperwork to show that the loan was finalized.

The dealership informed me 2 hours ago about this and sad they have more customers in my position, they will file complaints too and we are looking into hiring a lawyer together.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Product: Credit card or prepaid card

I have an Apple Card through Goldman Sachs. I have only had this card for a few months. Last week I started getting text notifications about fraudulent activity on my card. There were a total of 10 charges to various companies on Saturday, so when I called, I explained I did not make any of these charges ( many looked to be overseas ), and they had not allowed them. 

What has me gravely concerned is that once they changed my card number, 14 more charges came in on the new card number and I had not even so much as recorded the new card number. Fortunately, I had locked the new card number on my " physical '' card, however, I did not know how to lock it on my digital card number. I have also checked the box for " additional fraud protection '' which means I have a rolling security code. Still, there are criminals charging to the card. 

I believe there is a major security breech, and that this needs to be investigated. At this time, I have locked my card and explained to them that I will not be using it for anything. However, a security breech could affect all my personal information so I believe I'm at risk of other fraud attempts.