23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have three Navient private student loans originated in approximately XXXX. I had difficulty making payments and was unable to arrange suitable payment agreements for these loans in the far past. Eventually the three loans charged off in approximately XXXX and remain on my credit report. 

I would like to now establish a payment agreement with Navient for these loans, but I have had great difficulty dealing with this process over the past 5 months. I have made many calls to both Navient and also XXXX XXXX, who apparently places Navient loans with collection agencies or attorneys with whom I would be able to negotiate payment agreements for repayment. 

To summarize, Navient seems to continually ask XXXX XXXX to place the loans. Then XXXX XXXX is unable to place the loans, as it seems that there is no agency or attorney interested in these accounts, as these loans have passed the statue of limitations in my state of residence, Pennsylvania. XXXX XXXX continues to return the accounts back to Navient since they can not be placed. Then Navient again starts the whole circular process over again. I have made many phone calls, even trying to resolve this issue with the Navient escalation department, but all of my efforts have been unsuccessful. 

Navient certainly seems willing to receive any monies that I might send them, but appear to be completely unwilling to discuss or establish any formal agreement with me. I need a formal payment agreement with documentation that I can provide to other future lenders so that I can demonstrate I am making efforts to address these past arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Product: Credit card

Review credit reports and found a discrepancy of a XXXX credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX credit card was never used or ever been applied for by the complaintant. This XXXX credit card is demanded to remove XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXXXXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was the victim of a telephone phishing scam involving my Citibank account. Over {$2500.00} was unlawfully taken from my account. When I became suspicious, I immediately contacted Citibank about the incident on the same day. On XX/XX/2021, Citibank sent out an email to its customers warning of the scam. After multiple correspondences via phone and mail, Citibank is denying any accountability. I recently sent them a letter XXXX please, see attached ), providing a list of issues that they have not addressed, including Reg E and my XXXX grand larceny report ( please see attached ). Under Reg E, a set of regulations issued by the Federal Reserve that governs all manner of electronic transactions, consumers are offered protections even when they make mistakes, such as responding to a phishers scam. Why should banks be bailed out when they are defrauded, but their customers are not?
Product: Debt collection

Synter Resource Group, LLC is attempting to collect a debt that is not owed. It has been paid to XXXX  directly. They refuse to provide proof and refuse to stop contacting us daily via phone and email.
Product: Mortgage

I submitted a complaint to CFPB on XXXX ( # XXXX ) stating that I was not able to pay additional towards my principle and escrow balances. I have been told multiple times that this issue would be resolved next month ( every month since XXXX ). It still has not been resolved. I did receive an email on XX/XX/XXXX stating that the servicing of my loan would be migrating soon. This has not happened as of today, XX/XX/XXXX. I tried to log onto the website to make my standard monthly payment, and I receive an DNS error. I have not received a payment statement since the first one they sent, which covered XXXX and XXXX. I tried to call multiple times today and it is automatically forwarded to voicemail. I did leave a voicemail and am waiting for a call back. Panorama Mortgage is out of compliance with XXXX. I have not received a monthly statement XXXX. I do not have access to amortization documents XXXX. I am unable to pay my monthly mortgage as of XX/XX/XXXX XXXX. I am unable to pay extra towards the principle balance, as of acquisition of my loan. The first communication I received was XX/XX/XXXX. 
XXXX. I am unable to pay extra towards my escrow, since acquisition. 
XXXX. I am unable to pay extra towards interest, since acquisition.
Product: Credit card or prepaid card

Honor about XX/XX/XXXX Discover card withdrew a {$1000.00} after I was approved for a 3 on secured credit card. Upon not receiving the card it took them a month to mail out when I went to activate it they said there was an IRS form that I needed to bought file and balance of XXXX temps were made over XXXX phone calls which took about a month. After this I made a final call and i'd spoken to somebody and they said oh it's just gon na take a couple days and it will be turned on 2 days later they turn my account off and at that point didn't inform me I asked them to call me and they didn't call me I asked them what they're gon na do to compensate me for the fact that they help a XXXX of my dollars for 4 Months. I also made the claim abroad because they were advertised on a site trying to build credit and when I gave them the money to build my credit when they close my account my credit score dropped tremendouslink when I spoke to someone this last time asking why my account was closed and why they decided to sit there and take that disaction they said they couldn't verify who I was although I filled out all their paperwork And now they said they wan na wait 2 more months before they return my money at this point I'm like OK it's if I had your {$1000.00} 6 Months you would charge me interest I feel like after holding my money for that long they should have to pay me the interest they would have charged me not to mention the compensation for damaging my credit s cool and the guy said that there's nothing he will or could do and there's nothing in place to sit there and take care of someone in this ration The Thing is they took my money before they ever asked for this verification of who I was and if they would've done the verification before they ever withdrew the money There wouldn't have never been an issue
Product: Prepaid card

I never even had a prepaid card XXXX card from Bank of America. I had XXXX accounts and my benefits went to XXXX of my accounts. My benefits also had stop for a couple months then came back on then stop again because I mistakenly said no to a question then submitted a document to show I to didn't mean to press it. Small screen XXXX fingers. Then my payments stopped all together and I still didn't receive the back pay of what was owed to me because XXXX XXXX lied on federal documents. I worked for that company since XXXX and they called me a new hire in XXXX. XXXX quit your fraudulent XXXX XXXX so I can receive my compensation. Any lawyers out there willing to help? Anywho yes Bank of America I have no knowledge of a check sent to my address and no knowledge of a prepaid card when I never had a card from unemployment. I had direct deposit and I have that account number. All because I don't have a prepaid card number I NEVER even received is XXXX. That was to set it up where it looks like y'all did everything in y'all power to help me. When y'all never sent a check or a prepaid card. I know my identity have been stolen here and there. It has to be another underline issue why this financial institution is giving me such a hard time about my funds. Then I asked to speak with fraud and was not giving the option to. I want to know what is going on with my funds and why is a big bank lying about sending me a check and prepaid cards to cover up their fraudulent activities. WHERE IS THE CARD AND WHY HAVE I NEVER KNOWN ABOUT HAVING A PREPAID CARD IN MY NAME? I never had that account they speak of in my email and on paper. I only had XXXX accounts. Where is that account coming from and how is it transactions on it when I never even used it. I have XXXX dollars of interest built up already. Ummm how? How long have this been going on for and at this point I truly believe the bank did something with my funds and now trying to halfway fix the problem. I'm too the point of fighting this in court. I want compensation of being a victim to the big companies that feed off of us. Your so called fraud agency did nothing to help me with my fraud issue. I went into the bank and clearly they could see it was me. So why is it that I still can not access these funds of mine. They told me the amount of two different checks then I received letters with different amounts on it. How is this possible?
Product: Credit reporting or other personal consumer reports

I contacted all three bureaus to have this XXXX account removed from my report this account is not mine it belongs to my son we have similar names and our address is the same
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX  XXXX is having a negative impact on my XXXX which is causing adverse effects in my life as I am trying to start my own business. I Demand that this account be removed from my credit report immediately as pursuant to my consumer protection rights
Product: Credit reporting, credit repair services, or other personal consumer reports

PHOENIX FINANCIAL SERV at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : PHOENIX FINANCIAL SERV, and PHOENIX FINANCIAL SERVICES, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 recently received an alert from Experian telling me that my score has gone down by almost 40 points. I was really concerned that something bad had shown up on my credit so I carefully reviewed all the account details ... unfortunately what I found was really disappointing ... Experian removed 3 of my positive student loans from my credit report for no reason. I did not dispute these accounts, there was nothing negative about the accounts ( no late payments etc. ) and I did not request any kind of review but Experian decided to just remove them from my report. These items happened to have a lot of credit history and this is the only thing that has changed on my credit file. I don't know why Experian removed these accounts but I want them put back on my credit report so that my score goes back up to what it was before they were removed. I am trying to get approved for an apartment but this change in my credit score is going to totally prevent me from being approved since my score has gone down so much.
Product: Checking or savings account

- Hackers stole {$5000.00} via an External Account connection with my account on XX/XX/year> - Credit Union did not send a XXXX verification, one-time-pin or email requesting to establish connection to an External Account, but made the connection on XX/XX/XXXX at XXXX - At XXXX XXXX on XX/XX/XXXX, {$5000.00} was withdrawn and sent email confirming transfer. 
- Immediately called at XXXX am to report fraud and request hold or reverse charge - Spent over XXXX hours until XXXX to report fraud to Navy Federal Credit Union XXXX NFCU sent letter on XX/XX/XXXX that they denied my fraud claim. Requested additional information per letter, but NFCU stated they were unable to provide further information - Initially, NFCU credited me the $ XXXX, but reversed the credit after their determination letter - I've lost $ XXXX and I don't believe it's my fault - Any help would be appreciated
Product: Debt collection

Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from 2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Al XXXX XXXX XXXX
Product: Mortgage

I just found out that my home insurance cancelled for non payment back in XXXX and I had been uninsured for over 70 days. I have since reinstated insurance but it was through a new vendor as I had lapsed over 30 days. My payment is now more expensive and I will have a mark against me for a lapse for at least 3 years. I was never alerted of this issue, nor did guild mortgage take the necessary steps to resolve. Instead I received a letter stating I had no insurance and they would purchase some at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card

Capital One credit card reports a XXXX day late from XX/XX/year>. But I was never late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new credit card, and was turned down. I was told to check my credit rating. I found XXXX on line, and discovered that my XXXX XXXX CHASE credit card, held by JPMChase Bank, had reported that I was 60 days in arrears in XX/XX/XXXX on my account. I contacted AMAZON, learned that my AUDIBLE account was the source of fraudulent charges to that account. After identifying the fraud, AUDIBLE refunded my card in the amount of {$230.00}. I called the credit card company ( JPMCB ) to report the fraudulent use of my card and requested a new card. I asked to have the arrears claim omitted from my account. They told me to file a dispute report with XXXX, which I did. 
While the charges have been removed from my account, my JMPCB account still shows delinquency from XX/XX/XXXX. 
When I spoke with a representative at XXXX, I was advised by to file a claim with you ( FTC ) against JMPCB. 
That website sent me to you. 
I have attached a letter from AUDIBLE refunding my money for the fraudulent charges. 
Please help me clear my name. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more please
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022 ( and around XX/XX/2022 ), I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my CapitalOne account through an intermediary named XXXX to these fraudulent investments companies.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

On XX/XX/20, I discovered 2 suspicious pending transactions that occurred on XX/XX/20 & XX/XX/20 on my Target MasterCard & another transaction that went through from same vendor, XXXX XXXX XXXX on XX/XX/20 for around {$68.00}. I called Target XXXX customer service and spoke to XXXX ; therefore, my account was closed and I was issued a new card. The pending transactions did not go through and I was refunded the {$68.00}. However, I was waiting for a refund from XXXX for XXXX. I checked my XXXX account on XX/XX/20 and the refund was issued into XXXX store credit. I spoke to XXXX on XX/XX/20 and told him that I would like the refund back on my Target MasterCard. I spoke to XXXX from Target on XX/XX/20 and I was told that it would take 3-5 business days to show on my new Target MasterCard. However, this did not happen and I have been calling back and forth from XXXX to Target. XXXX from XXXX emailed me on XX/XX/20 that the refund has already been issued back on my card but Target has not posted it yet on my new MasterCard account. I was told by XXXX from Target on XX/XX/20 that it is showing on the old account on XX/XX/20. Then he transferred me to speak to XXXX who told me that I would have to wait 60 to 90 days for my refund because my old account is under fraud investigation. This does not make any sense why my refund needs to be under investigation. I feel that Target is ignoring me and making excuses not to give me back my refund. I also feel that I am have been taken advantage of. My experience with Target XXXX  is awful and I am not getting anywhere talking to them. I still have not received my refund. Please help me get my refund back and resolve this problem with Target as soon as possible. Thank you for your time and consideration.