23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Direct Student loan was aquired by Navient. I have been paying Navient faithfully twice a month. I have been unable to receive a statement from Navient, my interest rate has increased inexplicably from 5.62 to 6.5 % in the last three months, and I have been turned down twice for loan forgiveness ( I am in my 17th year as a XXXX XXXX XXXX. ) My balanced has increased in the last 3 months despite me making 6 payments. A rep from Navient told me that my loans COULD be forgiven in 10 years if I pay them {$690.00}. I would then be done with Navient and I would pay Direct Loans {$150.00} for 10 years. After that the remaining balance would be forgiven. A different Navient rep an hour later gave me a different scenario. And 3 months ago, a Navient rep said that I didn't qualify. 

I need a more they statement from Navient tracking my payments, stating my interest rate and keeping a running balance. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

All praises to G-d. Hope all is healthy and prosperous during these times. Experian credit report agency ( as known as : experian.com ) has wrong past due payment information on the credit report that bears my name. The report claims that I failed to make a XX/XX/XXXXce loan payment on a government student loan account I am making parents on even though the cares act has froze all such payments until XXXX CE.. I contacted the student loan company and they did verify that no loan payment was due onXX/XX/XXXXce due to the cares act passed by congress in response to covid19 and also that no loan payment on the student loan account bearing my name is due until the end of XXXX CE. Specifically, all loan payments are fully satisfied, including the XX/XX/XXXXce payment, I will not need to make any payment ( s ) until the end of XXXXce. This would of course mean experian.com agency is providing misinformation, if my memory serves me correctly, it would also mean that experian credit agency is in the habit of poor record account keeping because I have complained about this type of misinformation to experian before and had the issue resolved after considerable effort. Also, an account was missing for a few months and not showing up on the credit report that is in my name of which Experian claims to keep accurate records on, this effected the credit score associated with said account. Whether it was a standard process or a mistake I am not sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. XXXX : XXXX XXXX/XXXX  # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1200.00} XXXX XXXX # XXXX {$2500.00} XXXX/XXXX  # XXXX {$2900.00} XXXX/XXXX  # XXXX {$500.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX/XXXX  # XXXX {$400.00} COLLECTIONS  # XXXX {$270.00} COLLECTIONS # XXXX {$90.00} COLLECTIONS # XXXX {$36.00} EQUIFAX : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX XXXX # XXXX {$920.00} XXXX/XXXX XXXX # XXXX {$8800.00} XXXX  : XXXX XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX/XXXX  # XXXX {$1400.00} XXXX # XXXX {$920.00} XXXX/XXXX  XXXX  # XXXX {$8800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  issued a {$50.00} invoice for a never used HELOC with {$0.00} balance on it. Despite being set up on auto-pay with XXXX XXXX XXXX and never having a late payment in my life, the bank failed to deduct the {$50.00} charge from my checking account and reported the payment as late on an untouched {$0.00} balance account. Because the account balance showed as {$0.00} online, there was no other way to pay this bill. I contacted the bank in XX/XX/2023 and they agreed to deduct from my linked checking account and they would contact the appropriate credit bureaus to correct their error. They have not done so and it is now negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian on XX/XX/XXXX stating that XXXX XXXX Acct # XXXX was past seven years from first date of delinquency. Experian sent me an email stating that all information was updated, I never received my result by mail and I did not ask for my results to be sent in an email. I have a report from XX/XX/XXXX showing first date of delinquency was in XX/XX/XXXX. I also have a report from XX/XX/XXXX that shows Experian removed the first date of delinquency that was previously reported in my XX/XX/XXXX report. Experian has violated my consumer rights. As of XX/XX/XXXX the XXXX  acct is still being furnished on my Experian credit report. Experian has violated 1681 ( a ), 1681c ( a ) ( 5 ), 1681e ( b ), 1681i ( 5 ) ( A ) ( i ), and 1681i ( 6 ) ( A ) of the FCRA.
Product: Debt collection

Is calling several times a day. Caller refuses to disclose who they until i verify my identy. I refuse. Reverse number look up shows it is XXXX XXXX   debt collection. I have received no mailings from XXXX  XXXX about a debt. The demeaner of the person calling is irrate and rude. The calls are an annoying rate
Product: Debt collection

This is my 5th dispute over the same issue. Debt was recently sold to Credence Resource Management. They are attempting to collect a XXXX debt for a phone bill that XXXX XXXX XXXX paid through a switch in service providers. I am now an XXXX XXXX XXXX Customer previously a XXXX customer. This debt is not owed by me due to the agreement by XXXX XXXX XXXX to pay off the full amount of what was owed. I am asking for the removal of this collection from all 3 credit bureaus immediately as you have done the previous 5 times. This is not my debt.
Product: Checking or savings account

I have not been scammed but I received a text message saying there was a problem with my First Horizon bank account and there was a link inside the text www.firsthorizonff.com. I did not click on this link in my phone but I did pull it up online and it is a fake replica of the First Horizon Bank 's website designed to scam people. I just do not want anyone to get tricked into using this site.
Product: Debt collection

XX/XX/XXXX : I came to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX to request a cleaning tooth service - in begining I signed the document for information, financial policy - dental history - there is no cost information I explicitly instructed the dental office to provide services only within my insurance coverage. I did not agree to pay for any out-of-pocket expenses XX/XX/XXXX : XXXX XXXX XXXX called me for filling service - without showing evidence of XXXX XXXX, the material for filling & cost before performing the treatment. They said I have XXXX $ & not take copay XX/XX/XXXX : XXXX XXXX XXXX called me to their office with the purpose " Explain about the insurance '' after everything happened. They said my insurance was too bad & not covered enough. They gave me the hand-writing receipt total {$850.00} but they will discount it to {$450.00} ( attachment ) & required me to pay by cash. When I said : I need to check with my insurance before paying, they not let me go. Then they said I can pay {$300.00} now & come home and pay remaining amount. I feel scared because the working under-the-table and not let me go until I strongly request to come home check with my insurance XX/XX/XXXX : They call request me to pay, but I only accept to pay {$100.00} deductible. Remain amount is not my responbility because dental office doing without my accept. 

XX/XX/XXXX : They sent the letter to my house and request me to pay {$680.00} & {$940.00} for my wife XX/XX/XXXX : I sent the email request the evidence 1.A signed agreement or contract showing that I agreed to the service.

2. An itemized statement detailing the charges.

3. Any evidence that I was informed of the cost before the service was performe XXXX. XXXX records But XXXX XXXX XXXX didn't reply XX/XX/XXXX : Capital Accounts debt collection call us request me to pay {$2400.00}. I already sent the email to them appeal on the debt and request them to prove 1.A signed agreement or contract showing that I agreed to the service.

2. An itemized statement detailing the charges.

3. Any evidence that I was informed of the cost before the service was performe I was not informed of the number of fillings, what materials will be used, or cost per tooth before the procedure. XXXX already confirmed that new world dental didn't ask for pre-treatment cost to XXXX before producing on XX/XX/XXXX & XX/XX/XXXX. Despite providing my insurance card, I was assured that I would not have to pay anything out-of-pocket due to my {$1000.00} coverage, yet no price verification was done beforehand
Product: Mortgage

Flagstar Bank took over my mortgage in XX/XX/XXXX. I enrolled in bi-weekly payments on their XXXX website. Every XXXX weeks, XXXX of the mortgage payment is withdrawal from my bank. The first withdrawal is to be " held in suspense '' until the second withdrawal posts- they would then combine the two payments to make one complete payment.

I've had to call twice a month as they keep mis-applying the bi-monthly payments. Sometimes they put the funds in suspense, sometimes they apply to principal. There is not a clean transaction history for me to follow as they have over XXXX line items for what should only reflect XXXX. This is occurring due to their system as they end up having to do reversals to make it right. This is happening weeks later causing my loan balance to not be affected in a timely manner. 
Furthermore, I was making a selection on their website to make additional " principal only '' payments that again get applied to principal, then the history log shows they reverse it ( causing my balance to go back up ) and then they hold it in suspense. 

All of these errors are due to their system. My concern is my balance isn't being reduced on time when they receive my payment, and I'm being charged for interest on a balance this is incorrect. 
Mortgage payments were made on the following dates : XXXX & XX/XX/XXXX ( bi-weekly =combine XXXX to make XXXX monthly payment ) XXXX and XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX XXXX and XX/XX/XXXX I've made calls the them starting in mid XXXX ( spoke with XXXX  ), end of XXXX ( spoke with XXXX XXXX, XXXX XXXX spoke with XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX ) XXXX spoke with XXXX, XX/XX/XXXX spoke XXXX XXXX and again on XX/XX/XXXX XXXX Called XXXX spoke with XXXX, XXXX didn't get the person 's name, XXXX spoke with XXXX for XXXX an hour and got transferred to XXXX ( XXXX ). No one seems to be addressing the fact that my funds aren't being applied to the loan balance in the timely fashion. 
I am concerned that they are practicing deceitful banking practices. I fear my balance is not correct, and I am being billed for interest on an incorrect balance.
Product: Debt collection

I, have written this letter to dispute a claim that is falsely listed on my credit report. 

Party Owed : midland credit management Amount : {$8800.00} I am disputing this claim as I never had an account with XXXX  for this amount nor was I made aware I have received no notifications and when I attempt to do the responsible thing and contact I get no response. This is my official request to have the aforementioned item to be deleted off my credit report as again it is not mine, and can not be proven that it is mine. I did not open any XXXX  card in XX/XX/2019 for {$8800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} XXXX XXXX XXXX {$0.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$15000.00} payment never late send proof or remove it : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$10000.00} {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it ''  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity ''  to get away with taking no actions on my credit report. Please investigate this as well.
Product: Payday loan, title loan, or personal loan

To whom it may concern, I am writing to advise that the company LoanMe has stolen thousands and thousands of dollars from me. When I initially applied for the loan, I was never given the interest rate of the actual loan. I was told that I would only pay a fixed amount for two years, and when I called them recently, they said that I need to pay an additional 2 years. 

The loan I borrowed was less than {$3000.00}. If I continue paying for the next 2 years, I would have payed them more than {$20000.00}! How does that make sense??! That is an interest rate more than 100 % that I was never told about! 

LoanMe is stealing money from me monthly, {$290.00} to be exact, and I want out of this evil contract. I have called multiple times, but no answer. In fact, the last time I actually spoke to someone they said that I would need to pay around {$2000.00} to be released from my loan. 

Please assist me with this matter! I want nothing to do with this company EVER AGAIN!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX have reinserted two of the items, XXXX  XXXX XXXX and XXXX XXXX, that were reported on my identity theft report stating that they were certified as valid by the furnisher. One of the three fraudulent accounts was removed and has not been reinserted. The attached packets contain all information related to this case and have been sent to Transunion, XXXX and XXXX. The three CRA 's are all reporting different information, are violating my privacy by reporting these items and have yet to produce any proof that these accounts are mine. I have been denied credit on XXXX occasions this last month because of their errant reporting of these items.
Product: Vehicle loan or lease

XXXX auto frauded a car amount, tags, registration, invalid license & loan terms to Chase Auto Finance Bank. The loan was accepted by Chase XXXX before i ever came into financeIt was stacked with fraudulent fees for pre-delivery of {$1300.00}, even through I picked the car off the lot, tags registration & license {$1500.00} even though I had a Georgia license. Price was {$32000.00} & Chase XXXX said {$34000.00}. I traded my car for {$12000.00} & {$10000.00} debit because the fraud was in play because I could have stopped a check. The car was {$32000.00} {$22000.00} equals {$10000.00}. Waited in the waiting room XXXX hours because finance says I got a great XXXX rate. He then tells me I owe {$20000.00}. I said how then give me my car back. XXXX XXXX at XXXX said your cars gone. Police said it was civil and signed. I didnt agree to no esign. Ive contacted every organization. Chase blocked me online for the past 3 years and the price doesnt go down. Finally I paid XXXX paiyments of {$340.00} and only went down {$1000.00}. Ive paid {$35000.00} on a {$32000.00} car. And I have complain to Florida XXXX, Florida regulations, Federal trade commission XXXX & Attorney Generals. I am stranded and my purse clothes computer were in the car. The tow dragged the car down a small hill backwards and it probably has damage. Ive been fighting for 3 years. No form of government has helped. XXXX crying stranded homeless sad & defrauded. Chase sees the letters from their attorney bond company and Florida XXXX XXXX violation of Florida XXXX XXXX and did nothing but repossess after knowing Ive paid in full.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to a reinvestigation done by EXPERIAN INFORMATION SOLUTIONS. According to the most recent reinvestigation that was commenced on XX/XX/2024, involving XXXX XXXX  loan accounts, upon review of my consumer disclosure report given by EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024, the reinvestigation was finished. I noticed that the updated the account s that were in dispute but did not correct the inaccurate information being reported from those accounts. The inaccuracies consisted of missing payments classified as 'No data ' and random late payments that reflect as one '90 day ' late payment. The accounts that I disputed still remain inaccurate with the same issues showing. These accounts remains both incomplete and inaccurate. XXXX XXXX XXXX ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which has now caused me to have to mail in my taxes with a identity protection pin and there have been multiple accounts that has been opened in my name and i have not given any authorization to open any accounts on my behalf my information was also exposed on the XXXX  and XXXX data breach. The accounts that need to be deleted is XXXX XXXX XXXX XXXX. the total amout they were asking me to pay was {$2300.00} There are 2 accounts that i have not opened and this is causing me a lot of stress i need this information to be deleted from MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

im am writing in regards to XXXX reporting inaccurate information on my credit report. i have no acknowledge of the XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA