23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my report. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know XXXX XXXX that debt under the Fair Debt Collection Practices Act This aint me XXXX for no more proof or paperwork XXXX just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX XXXX XXXX try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding
Product: Student loan

For 16 years have paid Navient approximately {$140000.00} for student loan for my daughter. Only {$20000.00} has gone to the principal. In XXXX more years I will be XXXX XXXX XXXX and only {$20000.00} more will be paid toward the principal. The interest rate kept going up with payments close to {$900.00} a month. When I talked to them there was nothing they could do but defer it and keep adding interest to the loan.
Product: Student loan

XXXX XXXX XXXX Post : I called to have my loan payments smaller. They offered me a program, and said it would lower my payments. Currently I pay about {$800.00} am month in student loans. On the phone the teller said I was approved and took my first payment. They then set up a direct payment method for the next XXXX. They took the second payment. I received a email saying I was late on my loans and owed them late fees. They said they sent me an email letting me know I WAS NOT approved, after they verbally said I was and took my money. They then offered the program to me again, same things, and now I have credit marks on my credit rating for late payment for 4 months, and had to pay all the late fees. They just kept taking money from me. I have been paying for over 10 years and the loans are the same amount. There was no one I could call to help, and they just kept charging me more money the more I called to fight the charges. It is disgraceful what they get away with, and there is nothing a regular person can do. These loans have taken any opportunity of me having a car or buying a house. There is no regulation on them, and they just keep robbing people with their late fees and interest fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that Cash Call would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX  ( the collection agency they sold the debt to ). So I filed a dispute with XXXX, the status of my account went from " delinquent '' to " late 120 days ''. I called XXXX and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.
Product: Mortgage

I have asked my mortgage servicer loan care for a modification. I faxed them my package as they requested along with all documents they needed, and I am yet to hear from anyone about the status of my request. The package was originally sent X/XX/17. I called back 3 or 4 business days later to confirm my package was received, and I was informed it was received and allow 30 days for a decision. I then called back XX/XX/XXXX for status, I was asked to send additional items and I did that same day. I was informed then that it would now be sent to an underwriter for a decision since nothing else would be required. I have called back at 1 a week for status and each time I ask to speak with XXXX XXXX who is my point of contact, via a letter he sent. I never speak to him or nor does he return any calls. I keep asking for status, anything an I get nothing but the run around. This company needs to help customers like myself who lost employment and need help. THEY claim to be willing to help. I 've left several messages, no calls no letters nothing. I ca n't keep borrowing money to pay my mortgage. I also cant risk ruining my credit, I work in the mortgage industry myself and I am required to pass background checks to get a job. I ask that this company be held accountable for their service, as a consumer I have rights.
Product: Debt collection

This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. 

I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. 

They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with CFPB findings against Navy Federal credit Union where transactions settled with insufficient balances despite initially available funds. I believe that these practices are unfair and would like an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In pursuant to 15 USC 1681i XXXX has violated rights by not reinvestigating my dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. If it fails to " follow reasonable procedures to assure maximum possible accuracy '' in preparing the report. The court cited to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ithout a consumer report, there is no duty under the [ FCRA ] to follow reasonable procedures, XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Method of Verification- Please provide the name and phone number of each of the Debt Collectors Representative listed below so that I can following up with the re-investigation of the inaccurate accounts. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Please See Attached Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is personal information being reported on my credit report that has been reported in error. Please see attached.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe this limitation has occurred due to a mistake and wish to appeal this decision. 

I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a restriction on my account. I have consistently used my PayPal account responsibly for legitimate transactions. 

Given the above, I kindly request that you re-investigate my case thoroughly. I genuinely hope that, upon review, you will find that my account was indeed limited in error. If that is the case, I humbly request the restoration of my PayPal account privileges. 

I value the services and convenience that PayPal provides and would like to continue using your platform for my financial transactions. I believe in the fairness and integrity of PayPal 's processes, and I trust that my case will be reviewed impartially. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution that will allow me to continue using PayPal for my online financial needs. 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, XXXX XXXX, and Comenity Bank/Victoria 's Secret. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is Comenity Bank/Victoria 's Secret Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three ( 3 ) credit bureaus XXXX, Transunion and XXXX ragarding two ( 2 ) accounts reporting delinquent and derogatory on my credit file. The creditor is XXXX XXXX XXXX XXXX. I dont owe XXXX XXXXXXXX XXXX XXXX XXXX money I have a {$0.00} balance with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative there XXXX XXXX promised me that both negative reporting account from XXXX XXXX XXXX XXXX would show an update to {$0.00} and they would request each credit bureau to remove both accounts from my credit file and it has not been done by XXXX, XXXX and XXXX. Each bureau is still showing I have a balance and I dont I paid both accounts off in full. I understand that each credit bureau is getting paid to report negative items which is unlawful. I want both of these items zeroed off and removed from all my credit file immediately. If accounts are not removed I will be contacting and attorney for XXXX XXXX XXXX XXXX and their negligence and each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH
Product: Vehicle loan or lease

I've been ripped off by a dealer car located in XXXX, being a female my first-time car buying experience, knowing little about purchasing a vehicle I was fully taking advantage of. The seller Knew it. The whole thing was one week before I purchased the ca, I had someone go with me to a dealer car in XXXX Massachusetts, for two reasons, the first one was because I can barely speak English and also to helped me chose a reliable car, The seller asked us which car we would like to buy, my friend told me to get a blacXXXX XXXX it was a nice black XXXX, because he knows I love big cars or SUV I dont like small cars, I would never financing a car that I dont like over my own money that Im working hard for. If I didnt feel force to. my friend asked the seller how much the Black XXXX car cost, his answer was {$15000.00}. So the next thing was the give him my 2 previous paychecks unfortunately I didnt bring them with me, as a result for the day, the seller asked us when I get my 2 preview paychecks we can come back to fill out some paperwork, couple days after when I came back I was alone, just after he filled out some paperwork in his computer, The seller decided which car he wanted to give me, he told me that I wasnt qualified for the XXXX car, due the fact I dont have a good credit he made me believe that I cant decide which car I want to buy. I was so naive I believed him. Now Ill have to spend more than three times the cars value a XXXX XXXX  for {$17000.00} in total Ill have to spend up to {$25.00}, {$220.00} biweekly. I am a victim by automobile dealer fraud this is incredibly stressful and frustrating situation. Just one month the car XXXX the car begane making strange noises and driving funny to where its not safe to drive. I contacted the seller of the car about the issues I was having, I have wanted to return the car, because I didnt want to deal with it. He didnt want to take the car back. But He told me to take it to the shop to have it looked at it, The mechanic man told me the car has an engine problm and XXXX  Pipe issue they need a week onto get it fixed. After 7 days they told me the car was ready to Picked up, I Cant tell if it still have engine light issue, but the never got ride of the big noise.Ever since Ive been going through deep XXXX. I cant do this anymore. I need help please.
Product: Student loan

Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. 

In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. 

I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. 

In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX  XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX  XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX  XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. 

Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX   XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ABILITY RECOVERY SERVICE XXXX XXXX XXXXXXXX XXXX, PA XXXX This account is listed as being 4 months old. The account is actually 2 years old. Ability states that they will not change it. This is fraud.
Product: Debt collection

i check my credit report and notice a debt from paramount recovery systems reporting a alleged debt of XXXX that i don't owe.on XX/XX/2021, i submitted a letter disputing the validity of the debt, as well as requesting other documentation for the alleged debt.as of XX/XX/2021, i have not receive anything from PARAMOUNT RECOVERY SYSTEMS.i need your assistance in this matter in removing this inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX approx XXXX XXXX  EST I was called by a US retailer that a credit account was opened in my name and they declined it but were verifying. I said no I had not applied, it is fraud. They then initiated their process to work with the credit agencies. By XXXX EST the same day, I had contacted all 3 credit agencies by phone to initiate credit freezes as I am a victim of ID theft. I had troubles with Transunion after doing the touch tones to freeze my credit, I am supposed to go to a live representative. Every way to get in touch with a live person via XXXX drops. I reached out on XXXX to TransUnion At XXXX est to alert them of the XXXX number not taking me to a representative and they responded at XXXX the next morning ( XX/XX/XXXX ). They stated for me to personally message aka DM so they could resolve. I messaged them back at XXXX via DM about the issue explaining the problem. Later that day an alert for another credit inquiry came on my XXXX XXXX app through another retailer. It indicated someone tried getting a credit card in my name on XX/XX/XXXX ( same day ) and the agency who do did the check was TransUnion. If the freeze was properly in place as of XX/XX/XXXX, this shouldnt have happened. I am under the impression freezes happen nearly immediately. I need a resolution and confirmation that my credit is frozen with TransUnion. My credit is being harmed via these fraudulent inquiries and I feel powerless to get Transunion to resolve.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector 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. Therefore, you are reporting misleading false accounts. The following accounts were DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXX, DPEDXXXX - XXXXXXXX XXXX  - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Unknown - XXXX, and XXXX XXXX XXXX - XXXX.
Product: Mortgage

I applied for refinancing of mortgage loan with PennyMac Loan Services , LLC and got approved for the loan. However, the lender decided to reject my loan since I am not a permanent resident in US. And, I am legal in XXXX and do have SSN, valid US Driver license, and EAD ( employment authorization card ). Can lender reject my loan application because of my nationality or residency status?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account has been satisfied and should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to Experian and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on Experian provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX XXXX XXXX and I saw that you have recently began to report me 30 days late on this account : XXXX XXXX XXXX XXXX XXXX 

I also stated that I have previous credit reports from the Credit Hero Score that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. XXXX XXXX XXXX XXXX XXXX XXXX