23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX I consolidated my Federal student loans. At the time my loan was being serviced by Sallie Mae. The balance of the consolidation loan was {$23000.00}. Over the past 10 years most of the time my loan was either in an In-School Deferment, Repayment or a forbearance because of economic hardship. Approximately XXXX my loan was transferred over to Navient to be serviced. After it transferred to Navient I noticed that my loan balance was over {$48000.00} which is about {$25000.00} more than it was previous. My first impression was that this has to be a duplicate entry on my report. I have disputed this entry with all 3 credit bureaus. One of the 3 seems to have removed the duplicate entry. However, I recently also pulled the NSLDS file and it is showing two FFEL Consolidated loans with Navient. I again believe that this is a duplicate entry. I have not been able to get details of the loan balance with Navient or had any success in getting their help to understand the account balance. I spoke to a representative at Navient and their answer was to put me in a Deferment until I could get someone to sort out why my balance was so high and put in a dispute. My goal is to have the account reviewed to see if this in fact is a duplicate student loan entry and figure out the path to get this entry removed from all 3 credit bureaus, as well as to have Navient stop collection on an invalid loan balance. 

I have also noticed that on some of my Credit Reports and Student Loan Account information with XXXX XXXX and Navient that they have my middle initial as XXXX XXXX XXXX. My middle name XXXX and therefore it should be designated as XXXX. I am not sure if there are other XXXX XXXX whose information could be crossing with mine causing some of the balance discrepancies.
Product: Debt collection

I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information on my credit report. Therefore, I request that you conduct a thorough investigation into these discrepancies and, if you find them to be inaccurate, erroneous, incomplete, or unverifiable, I demand their immediate removal from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect prompt compliance. I am concerned about the following accounts : XXXX - XXXX XXXX  XXXX.
Product: Vehicle loan or lease

XXXX was taken from my checking account XX/XX/24 rcvd legal order from XXXX have no documentation of what own to them or what I should pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXXXXXX used a consolidation loan and the issuer of the loan paid this credit card directly with check # XXXX for the amount of {$620.00}. It was written on XX/XX/XXXX and deposited on XX/XX/XXXX. The depositor was XXXX. Supposedly this is the bank that Fortiva uses. I've reached out the the credit union and complained to them and Fortiva but no one seems to know what happened to the {$620.00}. Last week on XX/XX/XXXX. The credit union and myself called together Fortiva to find out where the funds went and to have it credited to my account along with getting the interest charges dropped for this amount and the time. It was supposed to only take 2 days. Myself nor the credit union have not heard back from Fortiva. These funds have been missing now for nearly two months.
Product: Mortgage

Received calls at my workplace after telling the mortgage company that I can not receive those at my place of employment. They have subsequently called two more times including today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these Inquiries on my credit report however the bureaus will not remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX, REMOVE PHONE NUMBER ( XXXX ) XXXX REPLACE WITH ( XXXX ) XXXX, REMOVE NAME SUFFIX ( XXXX. )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
Product: Credit card

In XXXX, I got an XXXX XXXX, COSTCO branded credit card that I used extensively and with no problems, no late payments, always paid my balance in full each month. COSTCO transferred that card to Citi in the spring of XXXX and my XXXX card was cancelled and I received a Citi VISA card. This was quite an annoyance since I had over a dozen automatic accounts on the Internet and elsewhere that referenced my now-defunct XXXX credit card. Later that XXXX, a merchant issued a credit for over {$4000.00} to my defunct XXXX card that was sent to Citi, I decided to use that Citi card extensively to " spend '' that large credit. Then on XXXX XXXX, I paid the balance on my Citi card, completely with a {$250.00} payment using an ACH withdrawal and auto payment from my XXXX XXXX bank account. My intent was to use another XXXX XXXX credit card account and terminate the Citi card. In error, on XXXX XXXX I sent an ACH payment of {$2500.00} to my old, now defunct XXXX account instead on my new XXXX account and that was automatically routed to Citi! I discovered this error a few days later when I received an email from XXXX noting a missed payment and assessing my with interest and late fee penalties.I immediately called Citi and XXXX to notify them of the error- I asked that my Citi overpayment be refunded and sent another check for {$2500.00} to XXXX. 
A few days later, another merchant applied a credit of over {$5000.00} to my defunct XXXX account- and it to was transferred to the Citi account creating a credit of over {$7800.00}. I called Citi again on XXXX XXXX requesting that I be issued a check or a direct deposit for that balance and I was told that it would be done- in 3-5 days over a recorded line. 
On XXXX XXXX, I called again and made quite a fuss to a sequence of Citi employees over a recorded line. In essence, I was told that the " 3-5 '' days was the time to issue a check AFTER an investigation was completed and that there was no timeframe for that- it could be YEARS! I even had my bank on o conference call where they confirmed that the {$2500.00} was in fact paid on XXXX XXXX to a Citi supervisor. I asked them to issue a check, and call me when the matter was resolved. As of this moment, I have heard nothing.
Product: Debt collection

I first contacted Bank of America around XX/XX/XXXX to try to work out payment arrangements due to my sister passing away due to XXXX on XXXX XXXX, XXXX which caused me to lose my job. I am a XXXX, had no job, and they refused to assist me in any way. They closed my CC and wanted me to continue paying from {$200.00} to {$220.00} dollars every month which I did. I was not working and borrowed from family and friends to make my monthly payments. I was denied a payment plan because of no income and told that once I received unemployment that they would put me on one. Every month I was told a different lie. However, they constantly told me that as long as I made my monthly payments I would avoid collections. Once I received unemployment they said that they could not put me on a payment plan. I called again XX/XX/XXXX and XX/XX/XXXX to try to work out payments and was denied. They man I spoke with from Bank of America told to make my payment via the ATM before XXXX EST and that I would not be sent to collections. The amount due was {$210.00} and I paid {$200.00} at XXXX XXXX and {$10.00} at XXXX XXXX on the XX/XX/XXXX. However, on XX/XX/XXXX I received a credit alert from my bank that Bank of America charged off my account. Bank of America has constantly lied to me about my account, given me conflicting information as to why I was sent to collections or why my payment was not acceptable. I mailed a letter to Bank of America 's corporate office at XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX asking that my calls be listened to and ask that they reverse my account that was charged off because of their bank errors. However, no one will listen or willing to help me.
Product: Mortgage

I have a FHA mortgage that is beening serviced by Caliber Home Loans and the lender has not afforded any of the mortgage rights that accompany a FHA Loan. I have not been afforded an opportunity to have a face to face with my lender. 
Moreover the lender has told me that there investor does not allow a short sale. This is not true as this loan is an FHA loan. I have several offers on this property and the property was listed with a realtor.
Product: Credit card or prepaid card

On XX/XX/XXXX I called synchrony bank and spoke to several managers and employees and finally spoke to supposedly the highest manager XXXX employee ID XXXX. I requested a copy of my XXXX billing statement but was unable to receive a copy to this day. I had misplaced the original copy mailed to me and didnt realize it would be pure XXXX to obtain another copy otherwise I would have secured it. XXXX advised they do not email fax text or any other format other than mail will send me a copy of my billing. Also the mailed copy can only be received 7-14 business days. The issue I explained I had was I was closing on a mortgage of a home purchase and needed the documents within 3 days. I was advised they can only fed ex it to me 3-5 business days as the only other alternative. I expressed how urgently I needed my own statement but no employee nor the manager cared. He spoke with attitude and could care less about my issue. I am not asking for much just my own statement and as a creditor it should be their responsibility to provide documents quickly and efficiently. I was unable to purchase the home due to lack of this documentation. I asked for an online option through their online application but they advised because I was not previously signed up for the online billing even though I signed up on XX/XX/XXXX they still would not send me a XXXX statement. I am furious and want this to be addressed. I asked for my terms and agreement where it says they will refuse sending me documents if I need them quicker and received a letter from them with terms that I read and do not include any explanation for why they can not send it electronically to me or fed ex over one day. In fact I to this day have not received a copy of my XXXX statement. This is unacceptable! I asked how I can complain from XXXX the manager and he gave me only the address XXXX XXXX XXXX XXXX XXXX Utah XXXX and I sent them a letter. He had no phone number to provide.
Product: Debt collection

The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the credit.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp, ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.
Product: Debt collection

portfolio recovery associates has been harassing me for a debt that is not mine. i explained to them numerous times in calls they have made to me that this debt is not mine. they have no signed contract between myself and the original creditor ( whoever that may be ), verifying legitimacy of this debt. they have no information regarding any payments that may have been made to this account in question, proving that i have made any payments on this debt ( which i haven't ). they have failed to provide any relevant information proving this dept is mine. ( no signed contracts or proof of how, when or where any payments have been made if any have been made at all, or my signature on anything ) they are ruining my credit score and i would like this false debt claim removed from my credit history immediately. if debt is not removed i will file proper legal action to discontinue the harassment and the negative impact to my credit.
Product: Checking or savings account

My phone and wallet was stolen inside my wallet was my debit card multiple transactiOna I guess were made when I got a new phone and check my account it only had XXXX dollars I called the company ASAP to have my account closed when I called more transactions was made that day now there telling me I cant get my money
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Experian conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : Experian and XXXX report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing. 
Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019, the Secretary of my condo association sent an request to my mortgage company on my behalf letting them know the owners have decided to dissolve our association. The Association attorney gave her a form to send to all the mortgage companies to sign. I gave her my mortgage information with my permission to send it. I received an email ataing they needed my authorization from personal email or a written authorization which I immediately sent an email back. When I did this, they replied on XX/XX/2019 not to me, but in the Association 's Secretary 's name to my personal email. After a few weeks I called them and contacted them by phone and was told the form needed to go to a different department but it would be escalated. I explained that I needed this 1 page form signed as soon as possible in order for the whole Association not to have to pay another 6 months of Association fees. I sent emails on XX/XX/XXXX & XX/XX/2019 and every return email came back to me stating that I would receive and answer within 3 business days.Saturday, XX/XX/XXXX, I received a call from them at XXXX XXXX stating they are working on this and I will definitely receive a call on Monday the XXXX. That call never came. On Monday, XX/XX/XXXX, I called the Customer service and was on the phone for over an hour waiting for a supervisor. I was told I would receive a call back that day - never received one! On XX/XX/2019, I sent an email to XXXX XXXX, the Senior VP of Client Relations and have hear nothing! I even asked my the lady who helped me with my loan to contact them and her company can't get any answers. On XX/XX/2019, I received an email saying " they have made several attempts to reach me in order to address my inquiry ''. They have not tried to contact me at all! Due to the nature of my job, my phone is on at all times and there are no missed calls from them. Since this has gone over 2 months, the whole Association has to pay another 6 months of fees because this company can not take the time to sign a one page document. How am I supposed to trust them with my morgage if something this simple keeps falling through the cracks??