23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is reporting 2 fraud accounts from XXXX XXXX I submitted ftc and police report they r verify the account instead of removing the two fraudulent accounts 1 for XXXX and the other account XXXX
Product: Credit reporting or other personal consumer reports

barclays bank delaware and XXXXXXXX XXXX XXXX is reporting inaccurate information on my credit report and it has pass the statue of limitation and the account need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from XXXX via email, again telling me to dispute online which will take away my consumer rights, and XXXX has also sent me a letter stating the same. Unfortunately, Equifax has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX/DEPT OF ED Act # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

KeyBank in XXXX did not credit payments on the same day as in branch payments were made. Our payments processed and cleared our checking account the same day they were made on either the XXXX or XXXX of each month. We were assessed late fees on the XXXX of the month. 

Truth in Lending Regulation Z seems to be clear that the payment is to be credited the same day it is received by an in person presentation of the payment at a branch office.

1026.10 Payments ( 3 ) In-person payments on credit card accounts ( i ) General. Notwithstanding 1026.10 ( b ), payments on a credit card account under an open-end ( not home-secured ) consumer credit plan made in person at a branch or office of a card issuer that is a financial institution prior to the close of business of that branch or office shall be considered received on the date on which the consumer makes the payment. A card issuer that is a financial institution shall not impose a cut-off time earlier than the close of business for any such payments made in person at any branch or office of the card issuer at which such payments are accepted. Notwithstanding 1026.10 ( b ) ( 2 ) ( ii ), a card issuer may impose a cut-off time earlier than XXXX XXXX. for such payments, if the close of business of the branch or office is earlier than XXXX XXXX
Product: Vehicle loan or lease

I had financed a vehicle from XXXX  XXXX which I had got approved with Exeter finance LLC which I was paying {$430.00} on the XXXX each month. As of XXXX XXXX I tried to make a payment to my account, and they respond was that my loan was paid off and to contact XXXX for further details. So I did, and they didn't understand what was going on, so they told me, that once the finance company take over the lease its out of there hands. So I called Exter Finance company back and they told me my loan was paid off and that the vehicle was mines. After that I asked them could they email me the documents saying that information. So I never received and documents about my vehicle and when I tried to pay it I couldn't process any payments. But my credit not saying its paid off but its not saying its late either. So can you please contact me about this situation.
Product: Credit reporting or other personal consumer reports

XXXX is a utility company in XXXX, Texas that is reporting an account that 7 Years 9 Months old.
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. These Lists of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Bankruptcy : Bankruptcy -Reference Number XXXX Has Violated my rights 15 U.S.C 1681 Section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was approached at a XXXX located on XXXX XXXX in XXXX, Virginia by XXXX men, XXXX asking if there is a NFCU around. He then asked to use my cell phone because he is in dire straights and needed to call a relative so that he could receive money so he could have a place to stay for the night. I allowed him to use my cell phone. The fraudster went into my NFCU app on my phone and took out a loan for {$6000.00}. After having my phone for too long I asked for it back and that's when I noticed my bank account on the screen and that there was money transferred from my account to people I do not know and a loan approved for {$6000.00}. The men left immediately when he handed me back my phone. I called NFCU immediately and reported what happened. I then went to the XXXX Police Department and reported the scam and was informed that it is a local scam targeting military looking men and veteran 's. NFCU opened a fraud claim and denied it. I then appealed the decision and they denied it again. I have not received an official letter stating that yet, however, I called today and was informed it is denied. I did not receive any money, I did not make the transfers, I did not apply for the loan. I was scammed and NFCU is trying to hold me responsible for a loan that I never received. This is a known scam in the area I live in, however, I did not know this until after speaking to the policy department. I have now spoken with many people in the XXXX XXXX are, you and old that this has occurred to. In the meantime, I am paying a monthly payment on a loan that I didn't apply for or receive any of the money so that it does not impact my credit score until I can get this resolved. I should not be held accountable for a loan that was taken out fraudulently and under false pretenses by someone else. NFCU does not take care of their members as their mission statement states they do and they should not be publishing " Their customers is their mission ''. I am now looking into hiring a criminal defense attorney to represent me and bring suit against NFCU which is more expense to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Product: Student loan

The situation : I am a full-time XXXX  student and my student loan payments are not being deferred through NelNet ( I only have federal subsidized and unsubsidized ). I have verified through FSA that my school has reported my enrollment. At current, I owe over $ XXXX - but I don't make that much money at all, because I am a full-time grad student. 

I have submitted countless ( over XXXX times ) requests through the " my situation has changed '' portal on the nelnet website dating back to XX/XX/XXXX. The website indicates that " your status will be updated '' but this has not happened. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - Sent e-mails to various contacts ( 4 times through website contact form, one to XXXX ) indicating that I am actively enrolled in school but my account is not reflecting an in-school deferral. 

XX/XX/XXXX, XX/XX/XXXX, XXXX - Called the nelnet phone number. Call was dropped every single time, despite me calling from different numbers ( work, cell ). 

I've been unable to get in contact with them to reflect my account 's deferral. I fear that this will negatively impact my credit score because I'm unable to pay. I'm not sure how to proceed.
Product: Money transfer, virtual currency, or money service

They said Identify myself on XXXX I did
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates
Product: Debt collection

This is a medical bill that was sold to a bill collector, suspect representatives, XXXXXXXX XXXX XXXX XXXX XXXX XXXX bought this debt and sold to another collection agency, who sold the loan again to mid XXXX. I never did business with XXXX XXXX and I was threatened to pay by telling me it will ruin my credit. This is the only discrepancy on my credit for a reason, because it was a fraudulent action, initially created by XXXXXXXX XXXX XXXXXXXX. Why isnt the question being asked what is the actual debt? Are they claiming to be a credit agency? Do they have my signature on any documents? I can not get this company to act professional for a reason, they are being fraudulent. This has been changing names for more than 10 years so this never will be removed from my credit. Its a medical bill that was bought by a collection agency and the collection agency changes debt collector every 7 yrs. This is a matter of principle. I tried over 10 years ago with XXXXXXXX XXXX XXXXXXXX they threatened everything under the sun. Yet they are a collection agency that resorts to illegal actions to get a collection paid. Even if it means to lie about the true debt which in this case was a doctors office who put in insurance paperwork late, and I changed insurance companies so they sent me the bill. Which I didnt pay because I had insurance at the time of the visit. The doctors office made the mistake and filed late paperwork, and they didnt get paid so they came after me. I ignored the bill from the doctors and next thing I knew XXXXXXXX XXXX XXXX XXXX aka bill collectors threatened to ruin me. Since it was a medical bill I didnt see how they could accomplish ruining my credit. But they did apparently and resold a medical bill as a debt. I made this statement twice now on record with credit bureaus. Keep in mind this has been going on for over 10 yrs so I no longer have these threatening letters from the collection agency aka XXXXXXXX XXXX XXXXXXXX or the doctors bill. So XXXX XXXX out of luck.
Product: Credit reporting or other personal consumer reports

The following inquires are a result of on going identity theft. 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 I am ordering that they be immediately blocked, removed, and deleted from my credit report with Trans Union , LLC within 4 business days as required under Section 605B of the FCRA. 
See Attached.
Product: Credit card or prepaid card

My credit score started dropping at rapid speed on my XXXX XXXX account. When I started to try to find out why, I started to look around and explore more on my XXXX XXXX  app off my phone. Eventually I came acrossed a account for Kohl 's department store that said I had gotten a Kohl 's XXXX account, with a {$300.00} limit. After finding this and stressing and questioning the whole situation for a day. I decided to get back on XXXX XXXX and see what els I could possibly find out and/or what my options were to be able to correct the situation. That's when too my surprise, I seen that the {$300.00} credit limit had been spent! Now I am getting a bill in the mail from a collection agency for {$610.00} and my credit score went from a 600-700 's all the way down too the 400 's. And iv only been to Kohl 's one time in my whole life and that was over 13 years ago and I had ended up getting a XXXX XXXX and put on XXXX  for 2 years and I haven't ever shopped there again or stepped foot in their parking lot, I have not so much as ever even went to their website since then! I need help i don't know what to do or how to go about dealing with this legally or correctly.
Product: Credit reporting

This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance from CFPB regarding my CrediXXXX that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} Discover - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXXXXXX XXXX Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. Collection accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, is reporting this account inaccuracies, LATE PAYMENTS, CREDIT LIMIT {$7000.00} and PAST DUE {$9100.00} activities well after closed/charge off with all ( 3 ) bureaus : XXXX XXXX, XXXX  and XXXX. 

Reporting different closed/charge off dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting different last payment dates : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Reporting inaccurate history unmatched payment : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  Reporting multiple account numbers : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Remarks not reporting I'm disputing : XXXX XXXX XXXX