23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a school misconduct application for my private student loans for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX noting, the XXXX administration has proven that this school and its parent company engaged in misconduct that led me and thousands of other students to enroll without the proper recourse and under false pretences. The department of education has cancelled all federal student loans for this school and its parent company because of the previously mentioned, proven misconduct. 

When I reached out to Navient about this matter in a separate complaint they stated they were piloting a program that would behave similarly to the process of dismissal for federal student loans that i've worked on in the past for this school. 

I completed a thorough document they mailed to me as well as provided documentation and back up, I took this application as serious of a matter as the XXXX application, provided almost the same exact answers to each question they asked, the federal application was approved months ago but Navient denied mine in XXXX and did not provide a reason for the denial. 

Navient knows this school has been proven to have engaged in misconduct and should dismiss my student loans without the need for me to fill out a very long and complicated document that has no clear indication from Navient as to what the requirements are, how they determine if XXXX is or is not eligible for this dismissal or not. 

It is unfair and unethical of Navient to know that misconduct has been proven for this school but denied my application for dismissal. 

Navient 's document was long, confusing, had very little room to fill out question and in certain places was very misleading. When it came to attaching supporting documentation I attached a lot of relevant and important information such as court cases, articles published by the department of education and images from the school 's website from that time period. 

Navient is not acting in good faith by having denied my school misconduct application and needs to provide a valid reason why they denied it. 

Note, supporting documentation should also not be needed if the very own Department of Education has proven that XXXX XXXX preyed on people trying to better their lives and set them up for failure. 


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

I contacted Equifax and let them know the account for XXXX XXXX. This is a FRAUD account and does not belong to me. I have never received anything from this company. Please delete and block this account from my credit and delete the following inquires XXXX/XXXXh, XXXX, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal credit account and I make purchases ad pay them off before the interest is due. Last month, i paid more than was due calculating what I would owe for this upcoming month. When I opened my statement for the month, it said that my minimum payment due was {$670.00}. when I added up the payments with expiring balances through XX/XX/XXXX, it came to {$370.00}. 
I called PayPal and asked them how they were calculating the balance due? they responded that my account was purchased back in XXXX and that there were XXXX balances with 0 % interest that totaled {$300.00}. 
I asked why if they keep including this amount in the balance due why the amounts had not been paid off, I was told that I needed to call them and instruct them to pay off the old amounts or they would continue to add them to the total amount due. It is also unclear if they have a 0 % interest rate why are they asking for payment in full and then not applying off the balance? 
I then asked them to move the overpayment to those amounts and I was told that could not be done because the funds were already allocated. 
I fail to understand how they are requesting these monies and then not applying them to the balances they are requesting them for. 
They continue to practice deceptive and confusing practices despite my prior complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.
Product: Mortgage

First,my escrow payment increased $XXXX and the mortgage lender "Mr. Cooper" is unable to accurately provide the details of the increase due to the transfer of two service providers in the same year. Its quite possible that amounts/payments/ transfer information may have been lost with the transfer of service providers.Secondly, Mr. Cooper hasn't paid my semi annual tax bill that was due in XX/XX/XXXX/XX/XX/XXXX and is unable to explain why?
Product: Credit reporting

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Experian continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Experian is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Experian zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I ATTEMPTED TO CORRECT MY THE ACCOUNTS BACK ON XX/XX/year> AND I HAVE NOT RECEIVED ANY FOLLOW UP. MY ACCOUNTS ARE NOT BEING INVESTIGATED PROPERLY. I REALLY NEED HELP WITH THIS SITUATION.
Product: Credit card or prepaid card

have a problem with XXXX XXXX and with particularly with Upgrade Card. I was misled and lied to. Given completely false promises that were never honored. All my efforts for peaceful resolution did not go well. Upgrade Card would not honor what they promised. 
Let me start from the beginning. I was referred by XXXX XXXX to apply for Upgrade Card with a {$400.00} signing on bonus. From the start, Upgrade gave me lies. First they told me ( and I have all e-mails from them to prove it ) to provide some documents and the half of the approved {$2000.00} credit will be available right away. That never happened. It took them a month and a half to have the money available. Okay, I let it go. No problem. However, when I inquired about {$400.00} that was suppose to be given to me as a credit after 3 months of having my account in a good standing they told me that I should not be worrying everything will be posted to your account next billing cycle which suppose to start in XXXX. That never happened. I tried calling back again but this time they told me that I should have opened a checking account with them and fund it. I did not do that therefore I am not eligible for promotion. That was a shock to me. It was never in the picture before.I even tried talking to superviser but they started saying same thing. It only started in XXXX. That's when I supposed to see the credit they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>
Product: Bank account or service

An unauthorized transaction was allowed to be processed by my financial institution, JP Morgan / Chase Bank, with incorrect account information. The merchant, XXXX, submitted a transaction for {$53.00} with incorrect street address, city and ZIP code however when I contacted Chase Bank to inquire I was advised that " certain merchants have very low account validation requirements ''. I asked for this charge to be disallowed and was informed that my entire life would have to be turned upside down with the closure of my card due to the fact that Chase Bank has failed to protect my account / monies by indiscriminately choosing which merchants can process transactions without having to validate that it is authorized by the consumer, i.e having the correct information of the account they are trying to process. I do not believe that there should be arbitrary account validation requirements that put the consumer in jeopardy of fraudulent activity or that JP Morgan / Chase should have the right to " decide '' which account transactions " look good '' based upon prior account activity when the account information which has been submitted in conjunction with any transaction is incorrect. The only recourse I was offered was to cancel my card and file a claim for a fraudulent transaction when it was the failings of JP Morgan / Chase to ensure that the information provided was accurate and complied with what any reasonable customer would assume to be standard security procedures when it comes to account security.
Product: Debt collection

I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, 2017 and is now deleted after investigation.
Product: Debt collection

i received a collection on my credit report from a company name source receivables mng a collection agency for XXXX XXXX XXXX XXXX XXXX to XXXX ( XXXX ) and they even statement it was fraud i also spoke with the collection agency and they stated to file a police report which i did i mail it to the collection agency and have not received any information from them someone had been using my name i also received a XXXX XXXX XXXX from Illinois I made a police report out for that also and send my information over to the gas company now i have all these inquiries on my credit report which i did not give anyone permission to used my name or my credit inquiry ( 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 XXXXXXXX i know about this one its because my husband is a veterans and was gets a loan but they report 3 time on my report when it was suppose to be one in the state of Arizona when you married they have to run both credit i understand that but 3 time ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX no phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) credit technologies no phone number and ( XXXX ) XXXX no phone number these are the inquiry that i did not do myself and someone is using my name could you please help my phone number is XXXX my email is XXXX and i receved a collection call from a XXXX  in XXXX in XXXX XXXX  on XXXX XXXX i need these collection remove and these inquiry off my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a second formal complaint regarding the unresolved issues on my credit report involving fraudulent items. Despite my initial efforts to rectify this matter, including providing supporting documentation, the fraudulent items persist, adversely affecting my creditworthiness. 

Despite providing comprehensive evidence and adhering to the proper dispute procedures, there has been no resolution, and the fraudulent items persist on my credit report. 

Enclosed with this letter, please find additional supporting documentation reaffirming the fraudulent nature of the items in question. I have attached : I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, and I insist on immediate corrective action. The continued inclusion of this inaccurate information is causing significant harm to my financial well-being. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough and expedited investigation into the fraudulent items outlined. 
Remove the inaccuracies promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Student loan

I applied for SAVE payment plan and provided all of the required and requested documentation. I did this well in advance of the deadline for repayment to resume. Nelnet confirmed receipt of my application, and then promised to update me by email every 10 days as to the status of same. 

I have not received any emails from Nelnet, and the deadline is approaching. 

Hold times are in excess of XXXX, and that is unacceptable when they only have hours of operation that fall within a work day. I can't simply sit on the phone waiting and hoping for someone to pick up. 

The amount I am supposed to pay for my first payment has changed a couple of times and there is no clarity on whether my application for the SAVE program is accepted. 

Nelnet is going to mess up credit scores and repayment schedules because they are not organized and do not adhere to even their own deadlines. If Nelnet is the servicer, collection should not resume until Nelnet can effectively service a loan. Nelnet faces no consequences if they miss a deadline, the debtors face ruined credit scores, inability to finance cars/houses, and the uncertainty of knowing whether Nelnet is about to mess up their finances. 

I understand that Nelnet is facing a huge job in getting up to speed on the loans assigned to them and that it is difficult in scale. Nelnet chose to accept that responsibility and is failing to execute effectively. Choices have consequences, etc etc.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX, and found a discrepancy with a Syncb/Care Credit account opened in XX/XX/XXXX and closed in XX/XX/XXXX. 

Situation : I am an authorized user on the account and formally requested to be removed from it over two years ago, but the account is still being reported on my credit report. I contacted Care Credit recently and was told that the customer service representatives could not remove the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute invalid items ( unauthorized inquiries ) listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Product: Credit reporting or other personal consumer reports

My score was decreased dramatically be cause I reported a new credit card that does not even have a payment due until XXXX. I worked 6 months to get my score up. Why is it legal for the credit bureaus to use a positive credit card, as a negative on my report. Which will effect my ability to obtain future loans etc.. This literally feels like I am being robbed in broad daylight. And does not seem fair or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into Experian account to see if anything was ontoward. I saw that there is a credit card with XXXX in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX, XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to XXXX XXXX XXXX to dispute this and also with Experian Credit reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from XXXX saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to XXXX that this is in fact not me. I have no other blemishes on my credit report. Thank you.
Product: Debt collection

Closed on new home XX/XX/2020 with XXXX XXXX  and attorney. Mortgage XXXX Made payments to XXXX XXXX  until I was notified that my loan had been sold. 
I made a total of XXXX payments to XXXX XXXX  for XXXX, XXXX total {$1600.00} on XX/XX/2020. 
On XX/XX/2020 I began paying SLS {$800.00}. 
The first payment they received they put in a hold account without notification to me. 
On XX/XX/XXXX they applied 199 % of the {$800.00} to the principle on the mortgage because they said I never directed them as to where to apply the funds ( didn't know the funds where in a hold acct ) Now they are trying to increase my monthly mortgage payment under the guise that I do not have enough money in my escrow account. 
I would note that my taxes and insurance are included. 
Taxes increased XXXX and Insurance increase by {$190.00} per year which would justify a {$1600.00} increase IF MY ACCOUNT WAS SHORT! 
I have spoken to numerous customer service agents who told me " there was nothing they could do '' to " I will have the money transferred '' and you will be all set. 
In XXXX a CSR told me to pay XXXX and when the money transfers back I should be caught up. So I paid an additional {$110.00}. 
It still has not been resolved and as of today they are starting to charge me late fee 's and talking to me like I'm a dead beat.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved. the consumer financial protection bureau CFPB has recently filed a lawsuit against experience, alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes These failures align with my experience where experience has neither corrected nor removed or amend the dispute accounts as Experience action, violates federal law and my rights as a consumer