23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I qualify for the Navient XXXX XXXX and have not received compensation or loans XXXX.
Product: Mortgage

Received a letter from my mortgage servicer Selene Finance stating my mortgage assistance request and mortgage assistance was appealed, because of credit information received from XXXX credit bureau and other credit reporting bureaus. The mortgage assistance request was denied. I have read in my research the servicer or bank is not suppose to deny mortgage assistance because of credit. Selene Finance customer service and staff do not know the government requirements for mortgage assistance, It appears to me Selene Finance do what they want to do and will not apply the law. I have been affected by XXXX and my health was compromised. 
I am resubmitting my request for mortgage assistance, I have received several denials, each denial denial reason is different. 

See Attachment
Product: Student loan

I co-signed a college loan for my son 's first two semesters at XXXX XXXX University at XXXX  in the summer of 2006 when he was XXXX. Apparently, the law then required that we transfer that loan to a private bank. We chose XXXX out of XXXX, Pa. After that, his FAFSA loans were not re-financed by private banks but were kept as government loans. So ... .when he died of a XXXX XXXX in the spring of his junior year in college at XXXX XXXX in West Virginia , his sophomore and junior year loans financed by the government were forgiven. However, this loan that I was forced to transfer to XXXX, was not forgiven and was transferred to Navient. I am XXXX, a former XXXX XXXX, and have dutifully been paying on this loan now for 11 years. I have written to Navient and sent death certificate to Navient but have heard nothing. I have called twice and been told that, unless I die, this loan can not be forgiven. This feels extremely unfair to me. I continue to owe XXXX dollars for my dead son 's education even though I have continued to pay for all these years. Is there a lawsuit I can join or something else I can do?
Product: Debt collection

XXXX XXXX was contacted XX/XX/year>XXXX  concerning past amount showing on my credit report. Reported XXXX XXXX  in the amount of {$5300.00}. I would like this removed off my credit report.
Product: Mortgage

Mid XX/XX/2021 we were notified by mortgage lender, XXXX XXXX XXXX that our mortgage had been sold to PNC Bank and effective XX/XX/2021 all payments should be directed to PNC Bank. On XX/XX/XXXX, XXXX XXXX XXXX automated payment service deducted the XXXX mortgage bill due on XX/XX/XXXX which was then forwarded to PNC Bank as payment for XX/XX/XXXX. To my surprise, our banking information for the automated payment service was transferred to PNC Bank. ( Could be very helpful! BUT ) on XX/XX/XXXX a charge for the XX/XX/XXXX mortgage payment was charged even though they had already received the payment from the previous lender. 

PNC Bank has agreed to refund our payment but we can afford to live without the {$1800.00} overpayment until the paper check comes in XXXX days. The issue is MANY families would not be able to make this work. 

PNC Bank is preying on poor families to increase the overall quantity of overdraft fees and steal more money from these poor families. I believe the system they have established should acknowledge payments and stop any additional automated payments. Whether this is intentional or accidental the system they have established is flawed and hurts working families.
Product: Credit card or prepaid card

Last year, I made an online purchase for a battery powered XXXX nail XXXX. The charge amount was {$76.00} and it was placed on my XXXX XXXX XXXX XXXX XXXX XXXX. The company took quite a long time to send me a package. When they did finally send me a package, it was a pack of disposable face masks - NOT the nail XXXX. So I requested a refund from the company. They wouldn't agree to that, but said they would send me the original item. Because of how long it took disputed the charge with my credit card, and because this company was from out the country and I felt this was probably a scam, I would not agree to that. I just wanted a refund. So I disputed the charge with XXXX. Initially, XXXX 's negotiated a settlement with the company : they would let me keep the face masks and refund some of my money less {$15.00} for shipping. Then a second offer was made to me to refund my money less 10 % of the purchase price. I declined both. Why should I pay for this mistake? I just want my money refunded. All of it, not part of it. After I told this to XXXX, they kept my investigation file open and kept saying to call them back in XXXX weeks. I did this several times. At one point, they even closed my file but didn't tell me about it! So they reopened it in XX/XX/XXXX, and asked me to send them a picture of the wrong item XXXX the face masks XXXX. So I did that by fax. I kept following up with XXXX after that, asking for a status on my dispute, and questioning if they received my fax. and they kept saying, call back in XXXX weeks. So I would call back and get the same instructions. Finally, in XX/XX/XXXX I asked for a supervisor. The supervisor called me back XXXX weeks later and said it had been too long and they closed my file! This is not right. XXXX is responsible for not following up with ME. I received no letters or phone calls from them, just " call back in XXXX weeks '' whenever " I '' called THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit act. The account below has violated my federally protected consumer rights to privacy and confidentially under U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX. Also Has violated my rights to privacy 15 U.S.C. 1681 section 602 A. U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written consent. 


Also wrong personal information ( address ) is on my report due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX has violated my rights.

15 U.S.C. 1681 section A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a police report XX/XX/XXXX, Experian and XXXX  is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is starting to get very upsetting. CAPITAL ONE NA has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a capital one account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Product: Credit card or prepaid card

Received a reliacard from US Bank that I never applied for or need. Called to learn that someone applied for unemployment benefits in Ohio and used my name, address and SSN without my knowledge or permission. Asked US Bank to deactivate the card and delete my attachment to any requests or involvements.
Product: Credit card

i am a victim of identity theft, someone has been using my personal information to obtain services and goods using my identity! .i have been respectfully submitting documentation repeatedly to all three credit reporting agencies and to the credit furnisher as well, and nothing has been resolved, i am respectfully requesting that all fruadulant accounts be removed from my credit reports immediately. this is a very serious and urgent matter!
Product: Debt collection

I received a call from Halstead financial services llc, threatening me to pay money from rapid cash or I would go to jail. They also said they bought the information from XXXX XXXX XXXX. when I called XXXX XXXX XXXX they claimed they were a Credit repair company and had no idea when I gave them the information to prove that they stole my identity and gave it to an XXXX call center using Halstead financial LLC as their business contact point. XXXX XXXX services immediately says they gave that information to them yet they are not liable for what they do with it. This is identity theft at its highest. Halstead financial services LLC is using overseas call centers with private American information and asking for your Social Security number. This is highly illegal for both companies.
Product: Vehicle loan or lease

This company stole my identity and used fraud in an attempt to extort me out of money not owed.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes and mailed them to Equifax, XXXX, and XXXX. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.
Product: Checking or savings account

My debit card was fraudulently used XX/XX/XXXX  and was notified by bank and card was inactivated and new one was sent. The card was used to make a purchase for {$750.00} at XXXX XXXX XXXX in XXXX ga. We have never been there and notified bank where they credited our acct and now have stated that they are going to take the money back out. They said that we had to wait until it cleared our acct to dispute the charge. The charge cleared our bank XX/XX/. They stated that purchase was made chip on chip so only we could have done it with our card. Since receiving a card with a chip I have had to get at least 4 new cards due to fraudulent activity. I have contacted the company where my card was used and they have no record of our bank contacting them about the issue. We made purchases with my debit card in XXXX ga that day nowhere near XXXXXXXX gaXXXX We also were at a family function in XXXX ga  when the bank contacted me about the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrectly closed my dispute ( the other two agencies reviewed the exact same dispute and removed the incorrect information from my report ). I have tried for days to reach Experian through the numbers they provide on their emails and website and their automated system will not connect you with a person and just disconnects you.

This is completely unacceptable considering how much control Experian has over consumers ' financial futures.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX need to remove & updated Inquiry details 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 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 ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( TransUnion XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Bank of America repeatedly lied to me causing extreme XXXX  and complications with my health. Loan # XXXX. The original loan was apprx. XXXX K we paid XXXX K and they now want over {$110.00} XXXX they did not allow me to modify. I have an attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to show delinquent account older than XXXX years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

called experian at number XXXX XXXX to inform them of inaccurate info being reported on my consumer report they refused to acknowledge or remove false inquires off my file
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX  NUMBER XXXX Here is the item I am asking you to verify as accurate.
Product: Credit card

I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibility that I did not check my bill for wrong charges, but, as a good customer, I simply pay on time and have trusted Citibank to do the rest. I would n't have missed a few dollars here and there originally, but now I have a very high credit limit ( good customer, good credit ) and have been charged at time {$50.00} a month for this service, paying in a little under {$1000.00}. They also will not take responsibility for the lawsuit ( referenced here : XXXX ) and are trying to put the blame on me for a service I never agreed to. They said they will re-initiate the request, but why should I wait another 30 days for the same answer?
Product: Debt collection

Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to these companies to remove the fraudulent items and no help I am a victim of identity theft accounts were created please remove these fraudulent inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX
Product: Student loan

We made an agreement for a new more affordable repayment in the amount of {$360.00} to which I have been paying, actually overpaying by sending them an even {$360.00}. Navient has thrown me in deliquent status claiming payment is $ XXXX and continues to tell me that our agreement was a 15 month program even though i have paperwork stating that i need to make 321 payments at this rate ... 321 monthly payments that somehow expire in 15 months. They have not been very cooperative and it is the definition of crony capitalism, they have all the protections of the government but none of the regulations that federal loans have. I just want to pay the amount of {$360.00} that we agreed on and for them to quit calling me and fix my credit they demolished by going back on our agreement but they dont see it that way. I simply can not afford the $ XXXX a month that they raised my monthly payment to and i shouldnt have to since im holding up my end of the deal. I have continued to pay them the {$360.00} amount we agreed on, plus an extra {$4.00} on top of that and im in or close to delinquency status because I refuse to give in and let them go back on our contract and bully me into paying more than I can afford when I have made every payment on time for the previously the agreed {$360.00} amount.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023 to Transunion for them to " investigate every piece of information on the accounts i listed below. Also i have attached the copy of my credit report i attached to the letter. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion of thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not complete a proper investigation according to the law. Also every piece of information on those accounts are reporting 100 % accurate. And according to FCRA 15 USC 1681 every things has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Citi enrolled me in an optional 'Credit Protection ' program without my consent. I called the phone number to cancel it at XXXX and was placed on hold for 40 minutes from XXXX to XXXX on XX/XX/XXXX. I had to log into their alternate website XXXX to cancel. 
I did not enroll in this service and had I not opened up what otherwise looked like another piece of junk mail they would have applied a surcharge of {$9.00} for every {$1000.00} carried as a balance on my monthly billing statement. Guess they learned this trick from XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaintsXXXX  XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters and documents to your company about the issue I'm facing right now regarding my credit, My information has gotten to the hands of the wrong person and they used it to open my account, please investigate and remove the accounts that were the result of the identity theft incident.
Product: Student loan

My student loans were serviced by Nelnet. i recently satisfied the loan balance in full due to constant errors being made on monthly payment amount. i tried disputing the late payments twice in an effort to restore my credit score but to no avail. Nelnet was sending bills to a previous address which i updated as soon i moved. they also an old number on file. I've requested this in writing and over the phone. The payment adjusted by {$73.00} and when that ran straight for 90 days, they then reported it.