23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is for both federal and Non-federal student loans. I have been having trouble repaying my student loans since I moved to Texas in XX/XX/2014. On several occasions, Navient has sent me emails with this subject line : " XXXX, Reply YES to Postpone Your Student Loan Payments ''. I replied yes on multiple occasions thinking that they would send me information of repayment plans. Well it turns out that replying " YES '' actually put my account into forbearance. I truthfully did not email read the emails initially. I did not think that they could legally change my loan status without verbal affirmation and without asking indentifying questions. So image my surprise when all of a sudden my student loans increased by thousands. Now I am hearing that I would have qualified for income based repayment which I had no idea about. I would have never agreed to forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves three parties : - XXXX XXXX XXXX ( ie. XXXX XXXX ) - XXXX XXXX XXXX - Equifax During XX/XX/2018 I relocated from [ city in ] Alabama, to [ city in ] Oklahoma. Prior to my move, I contacted Charter to disconnect my internet service and was told at the time it couldn't be done without some information located on my network router. I told them I would get back with them when the router was in my possession ( as I did not have it with me at the time ).

During my move, I had the router with me in the car ; so during a stop for fuel, I called XXXX and informed the representative assisting me of my intentions to disconnect services. I informed them that I had called once prior but was unable to due to lacking the information from the router - but that I had it now and was ready to proceed.

The representative in question was audibly confused by this, and stated that there was NO REQUIREMENT for me to have the information from the router the first time I called. She added that she was not sure why it would have ever been requested for a disconnection ; but that she was willing to assist me with getting it done during our call.

She then looked up my account and informed me the service would be disconnected as requested, and that NO ACTION was needed on my part. She added that they, in fact, OWED ME MONEY and that they would be issuing a check for it to my new address.

This is the last I heard from XXXX directly.

I never received the check for money owed to me ... What I did receive instead ( in a manner of speaking ) was a credit monitoring alert, this XX/XX/XXXX, that a collections account had been added to my report by XXXX XXXX XXXX for the amount of {$34.00} with XXXX listed as the client.

This collections account appeared on two of my reports : - One with XXXX - One with Equifax I disputed both of these ...

The dispute with XXXX was resolved in a matter of days, and the account in question REMOVED from my respective report.

The dispute with Equifax however, was filed XX/XX/2018, and it was not until TODAY ( XX/XX/2018 ) that I received notice that the dispute was completed. According to Equifax 's provided documentation, however, this dispute was completed XX/XX/2018. No explanation was provided as to why it took 24 DAYS following the apparent completion of the dispute to inform me about it.

The result of the Equifax dispute was " The information you disputed has been verified as accurate ''.

I fail to understand how this is possible, when the information is not only inaccurate, but outright fraudulent.
Product: Student loan

I have to loans at Aidvantage that have neg. balances since almost a year ago. Do the act for predatory colleges. The balance is over XXXX XXXX. neg. The refuse to credit or send the money back. sighting they are to far behind. If they had applied the money to my other loans. than would also reduced the amount of interest I would have had to pay on those loans. Some in essence they are double dipping. I don't know how many others are in the same situation. But this is probably making them millions in interest they didn't earn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in paperwork to XXXX indicating that the bankruptcy does not belong to me. They are insisting that I provide a police report and I don't have it. I sent in my state of Georgia XXXX, an affidavit, a bill, my ss card, letter from courthouse stating they did not verify the bankruptcy, a letter from XXXX XXXX and the negative item remains on my credit report. I demand the information be deleted immediately. When you call in, the reps and managers are rude. I contacted XXXX XXXX and they informed me that XXXX has not verified it thru their company because their system does not reflect a bankruptcy. I will seek legal actions.
Product: Debt collection

Comenity bank has non stop called me from several numbers to many to list here. I will block the number and they will get another number and call me from it. Today on XX/XX/2023 they have called me at least XXXX times this morning. This is harassment calling me all hours of the day.
Product: Debt collection

Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

XXXX of 2023, my younger brother XXXX XXXX XXXX ( XXXX ) leased out a car with XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, CA XXXX United States ) XXXX, my twin brother XXXX XXXX XXXX XXXX XXXX ) cosigned for XXXX 's XXXX. XXXX used his information and on the paper work of XXXX XXXX XXXX the information written is accurate, but when Veros Credit XXXX financing company ) input the information on their end somehow my social security number was used instead. I was not present nor did I sign/know that XXXX was getting a vehicle. I wasn't notified about this purchase until XX/XX/2023 when I checked my credit report. I have tried contacting Veros Credit to resolve this situation but they just tell me I have no access because my name is not linked to any information. This has caused my credit to drop drastically and caused a lot of damages include getting out a car loan, apartment loan, school loan, and emotional distress.
Product: Credit card

XX/XX/2023 Hello, I have an American Airlines AAdvantage Mastercard ( Barclays ). 
The purpose was to earn award miles to help with travel cost. 
I have a son in XXXX and want to help him with holiday travel cost. 
They offer a gift or transfer option for the miles. 
I was going to gift XXXX miles to my son and guess what they want to charge me {$900.00}. 
So, I tried the transfer option surely, they wont charge me for the miles I already spent my money to earn. 
Wrong the want {$450.00} for this option. 
Not to mention the fact that the mileage ratio is a joke you need XXXX mile to fly XXXX way XXXX to XXXX?
Product: Credit reporting or other personal consumer reports

This letter I sent to EXPERIAN. No response from them! And they still did not update my personal credit profile. I also sent them a copy of my personal identification as proof. 


XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX, XXXX ( 2 days ago ) to XXXX Dear EXPERIAN , I am writing to request an update to my contact information on my credit report, as my current mailing address is now : New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my records with this new address and I also please update the workplace to the XXXX XXXX XXXXXXXX XXXX to ensure accurate communication regarding my credit report. 

You can verify my identity with the following information : Social Security Number:XXXX Date of Birth : XX/XX/year> I have enclosed two pdf files of my identification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 2 Attachments Scanned by XXXX
Product: Checking or savings account

I received the attached email on XX/XX/XXXX, of XXXX and followed the steps below to open the account with a {$15000.00} initial deposit that I left in the account well over 60 days. In the beginning I was not able to fund the account because it required that I receive a debit card in order to make the electronic funds transfer. 

I called Citibank three times in the beginning letting them know I still have not received my debit card so that I can transfer the funds in 30 days. I asked the representative to note in my account that I had not received my debit card, thus could not make the required deposit within 30 days. They assured me I would still receive my bonus and told me that would note that in my account that I am still eligible for the bonus and sited that I did not receive the debit card yet to make the required transfer. 

Finally, I received my debit card in the mail and made the funds transfer immediately of the {$15000.00} which cleared on XX/XX/XXXX. I left the {$15000.00} in the account all the way to XX/XX/XXXX ( well over the 60-day requirement ) at which point I withdrew {$5000.00} of the money ( leaving {$10000.00} in my account to avoid monthly bank fees ). 

Since my funding of the account I have yet to receive my bonus and I have called them about 8 times inquiring about this. The last two times that I contacted Citibank about this are on XX/XX/XXXX where the woman I spoke with told me she would but in a request for my review. She had asked me for the promo code and I told her I did not see any promo code in the attached email, when she said don't worry I will look it up and put in the promo code for you. The Promo code that the representative put in was not the right promo code as I received the attached message saying that my promotion expired on XX/XX/XXXX ( obviously she put in the wrong promotion code ) I have attached that letter as well as my history of deposits and balances. I called Citibank again today on XX/XX/XXXX at XXXX and spoke with a supervisor named XXXX XXXX Employee ID # XXXX ) and she said she will send my information back for review again within Citibank . Since opening the account, I have only received XXXX cents in interest. 

I have asked Citibank if there is a way I can forward them the attached email that they sent me on XX/XX/XXXX and they said they have no way of doing that. This has dragged on far too long, thus the reason for my complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$830.00} These 3 Collection Agencies both Violated ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g and ( FCRA ) 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g, debt collectors are required to provide a debt validation notice within five days of their initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt within 30 days. Despite my formal request for validation, [ Collection Agency Name ( s ) ] has failed to provide sufficient evidence that these debts are valid and legally enforceable.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : According to the FCRA, all information provided to credit reporting agencies must be accurate, complete, and verifiable. Under 611 of the FCRA, consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. I have disputed these collections accounts with the credit bureaus, yet the collection agencies have not provided adequate verification, which is required to continue reporting these debts. Failure to verify such debts mandates their removal from my credit report.
Product: Debt collection

My identity was stolen in XX/XX/XXXX and I obtained XXXX XXXX to monitor my accounts for fraudulent activity. I reported the fraud to XXXX, XXXX, and XXXX and had my credit frozen as soon as I discovered the fraudulent activity. I have had a credit freeze since that time and have not opened any new accounts. I have no loans, no mortgage, and no debts. The only credit cards I had opened prior to the fraud are paid off monthly. I have been recently receiving multiple calls per day, on my cell phone at XXXX, from a company called Credit Management. I do not answer the phone and they don't leave a voice mail when they call. The number XXXX was used on XX/XX/XXXX at XXXX XXXX  and again on XX/XX/XXXX at XXXX XXXX. I called the number from a different work phone number and the person answered Credit Management and I hung up. 

On XX/XX/XXXX I received a call from XXXX at XXXX XXXX and another on XX/XX/XXXX from XXXX at XXXX XXXX. I don't know if these calls are also from Credit Management as I didn't try to call them back. 

My cell phone number, XXXX was on the Do Not Call Registry before the identity theft started and I would like these calls to stop. I have had the same cell phone number for over 30 years so it can't be that someone else had this number before I did.
Product: Credit reporting or other personal consumer reports

I want these inquires deleted because I did not authorize these companies to run my credit report these inquiries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX  - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Debt collection

The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX, However, the creditor did not complete the request. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA section 609 and 623 it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! I was never provided the opportunity to dispute this debt. I was not aware of this collection until it reported on my credit report recently.
Product: Mortgage

I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX  have not updated my credit report for inquiries? I have just few documents that I'm going to send to trans union and  XXXX so they can update and have the current status on my diseuse.
Product: Bank account or service

in XXXX of 2015 I received a phone saying I was behind in my XXXX air credit card payments. this was very shocking to me since I have been on auto pay for years and have never had a problem. 
the representative said they were from first bankcard of Omaha. I was also told that they bought my account from XXXX bank. through conversation I found out that when they made the purchase they did NOT transfer any of the auto pay data and that I was 3 months behind and had to make a {$2200.00} payment immediately. of course I freaked out!!! I was never informed of any of this. I do n't read the bill, that 's why I 'm on auto pay. I paid the bill, and worked with the service person on restoring my auto pay feature sto avoid this in the future. 
XXXX 2015 this repeated again with a threat to sue me for the money that I thought was being paid. 
I told them about the XXXX problem, they said nothing was done. I complained that they were acting irresponsibly and this was a trick of some type and told them I would have my attorney contact them. They would n't even talk to them. 
now they hired attorneys to sue me for a problem they created by being incompetent. I 'm not arguing about the money owed. I 'm complaining about the lack of responsibility of there actions that are now causing me damage for no real reason, other that poor banking practices. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed the XXXX XXXX collection account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XXXX. This account has reappeared on my credit report XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 






Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX  XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX XXXX to the CRAs in an attempt to expedite the removal. 

Experian has this incorrect tradeline reporting on my credit even after it was deleted in XXXX. Per the response above this tradeline is to remain deleted. Also, the credit reporting bureaus is supposed to advise the consumer prior to a deleted account reappearing in the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to request information about the multiple accounts XXXX XXXX XXXX on which is reporting on all three credit bureaus XXXX, XXXX, TransUnion credit report in which you continuously state verified but continually refuse to show evidence. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding these accounts, including the original contract with my signature and the credit application.
Product: Credit reporting or other personal consumer reports

I have disputed this account XXXX reported by NR/SMS/XXXX aka NewRez dba Shellpoint Mortgage Servicing to let them know that I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 6802-obligations with respect to disclosures of personal information. So I am taking this complaint to the CFPB for remedy pursuant to 15 USC 6805 to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate reporting and breach of my consumer privacy.