23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Had a student loan with Great Lakes paid on time every month for years in XXXX all student loans were stopped with 0 % interest. On XX/XX/XXXX a current balance of the amount XXXX was transferred to a new institution Nelnet. 

On XX/XX/XXXX logged in to Nelnet to see payment plans and when to start only to find that they have a current balance in the amount of XXXX. 

Email stating the transfer said nothing would change, still at 0 % interest until payments restarted I did not take out an additional loans. Called and they could not tell me why the current balance had more then doubled in amount owed!!
Product: Mortgage

I lost my job and cant pay my bills and Im behind on my mortgage.
Product: Credit reporting or other personal consumer reports

Called XX/XX/year> to dispute the hard inquiries on my account. I never authorized these inquiries and they will not remove them from my account. They said to contact the FTC and the website directs me to CFPB. 

Please assist in removing several hard inquiries that are affecting my ability to buy a house. 

I need to update my address to ONLY show the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All other information is incorrect.
Product: Mortgage

Account was in forbearance. Made bulk payment when payments resumed to bring account current. Timely monthly payments made for amount due, although escrow change led to deficit on one months payment leading to late charge. And 'incomplete payments ' ( b/c of the late charges that should have been reversed ) keep being placed in unassigned bucket and subsequently put toward principal, wiping out the monthly payment made in full. Called, and was escalated for correction, since I have monthly payments on autopay, and not direct withdrawal from their bank. I have contacted them on 3 separate occasions, one manager listened to previous calls and agreed that charges were inappropriate and 'escalated ' to correct department which would in turn contact me no more than 30d later. Problem persists. Menacing letters monthly and no solutions provided when calling customer service. Managers don't follow up and everyone states there is no contact they can provide to give you the opportunity to follow up. I would greatly appreciate someones help with this and would welcome speaking with anyone at the bank who has the authority to correct this issue directly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX and Opportunity Financial be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working for 3 months to correct an error on my credit report. I was buying a home and realized XXXX XXXX XXXX ( XXXX  ) was reporting I owed over $ XXXX on an account closed in XX/XX/XXXX. When I disputed it, XXXX XXXX XXXX REOPENED the account, and all the credit agencies started reporting a debt and late payments for an account closed almost 6 years, an account for which I NEVER ONCE received a request for payment. When I was counseled by XXXX XXXX XXXX. on my options in XX/XX/XXXX, they advised me if I gave back the car they would sell it at auction, and sell off the remaining debt to a third party to whom I would have no obligation to. This is why I made the decision to voluntarily surrender the car in the first place. 

When I tried to correct this, the response from XXXX  was this : " On XX/XX/XXXX, you communicated that you were unable to afford the monthly payments and requested a voluntary surrender. During that conversation, we explained the consequences of voluntarily surrendering the vehicle. You returned the vehicle to XXXX XXXX  XXXX, and we recovered it on XX/XX/XXXX. We mailed a cure notice on XX/XX/XXXX, indicating that the account was in default for the XX/XX/XXXX payment. The vehicle was sold at private auction on XX/XX/XXXX. Unfortunately, the price we received at auction was not enough to pay your account in full and we notified you of the amount due ( {$14000.00} ) via written notice on XX/XX/XXXX. We attempted to contact you on numerous occasions to resolve the total amount due. Despite our continued efforts, the balance remained unpaid, therefore we charged off the balance in XX/XX/XXXX and reported it as such to the consumer reporting agencies ( CRAs ). It is important to understand that prior to the retail account being charged off, we continued to report the status of the account to the CRAs. As a result, your XX/XX/XXXX payment was reported 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 90 days past due in XX/XX/XXXX, and 120 days past due in XX/XX/XXXX. Our records do not reflect that we waived your obligations regarding the debt or re-opened the account as stated in your complaint. '' There are two things to call out here. First, they claim they send me a " written notice '' of money I owed on XXXX XX/XX/XXXX, tried to reach me several times to resolve, and then charged off the balance in XX/XX/XXXX. This only proves my assertion : They intended to just charge it off and not recover anything from me - there's no way all this can happen in the span of 2 weeks. 

Second, XXXX very clearly stated the last " delinquent payment '' was XX/XX/XXXX, the account was closed then, and they never reopened the account. Therefore, the credit reporting agencies must change their reporting to show this account was closed in XX/XX/XXXX per XXXX ' own statement.
Product: Student loan

I applied for the XXXX student loan income driven repayment plan and was approved. The loan simulator calculated my payment to be {$0.00} because my income is less than {$32000.00} which is correct. However, Aidvantage, approved a repayment plan at {$30.00} which is incorrect for my income bracket. 

I have emailed Aidvantage and wasnt given a response to explain why the federal guideline is not being followed. I made two phone calls today to ask why Aidvantage is not following the federal guideline listed on student aid.gov and received very rude assistance from both customer service representatives. I just wanted to know why my monthly payment was miscalculated and why they could not correct it. The customer service reps were both very hateful and did give helpful answers to my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXX
Product: Mortgage

My mortgage loan transitioned from CMC Funding to Newrez-Shellpoint Mortgage Servicing in XX/XX/year>. My automatic payments carried over, but in the first month ( XXXX ) my payment of {$1200.00} was withdrawn twice from my bank account. The first payment was withdrawn on XX/XX/XXXX and then again on XX/XX/XXXX. I gave it a few days to see if the extra payment would be returned. When I still didn't have the money returned after a few business days, I submitted a question through the online portal. On XX/XX/XXXX, I got a message back saying there was a double payment draft, and that the payment processing team had corrected the issue. According to the email, I should have received the funds back on XX/XX/XXXX or XXXX, and if the payment has not been refunded to submit a copy of my bank statement to them through the web portal again. 

My bank only lets me print out monthly statements, so I submitted a screen capture of my bank account transactions to Shellpoint around XXXX XXXX. I never heard anything back. I then submitted a copy of my XXXX bank statement showing the double withdrawal and no refund on XX/XX/XXXX once it was available ( note : I highlighted the Shellpoint transactions and blacked out descriptions of other unrelated payments ). I finally received a message back on XX/XX/XXXX, basically saying the payment should have been returned already and that the statement I submitted was not sufficient. I would need to submit a detailed unedited XXXX bank statement again. So I submitted my full XXXX statement ( unedited this time ) on XX/XX/XXXX. I have not heard back from Shellpoint since this submission and still have not had my missing funds returned as of XX/XX/XXXX.
Product: Money transfers

My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX
Product: Credit reporting

I use a credit monitoring service and was notified today of a collection account that is not mine. I believe this is fraud. They have a collection of {$860.00} that I absolutely do not own, and never had any dealings with this company. It states the original creditor is XXXX XXXX XXXX - who I also have no dealings with. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters and documentation to remove unverified accounts on my credit report and the agency has not removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a report in regards to the incorrect information on my credit report. It has been well over thirty days and I haven't received any investigation results.
Product: Debt collection

I do not own an account with XXXX. I saw a XXXX collection on my credit report through debt collectors ( SEQUIUM ASSET SOLUTIONS ) .It shows i own them {$1400.00}. It shows the date opened for collection account is XX/XX/XXXX and it has report date of XX/XX/XXXX. XXXX. I checked on collectors website they have my name and address but have bogus email and phone numbers. So, i think someone must have used my name and address to create and XXXX account. I also saw some credit inquiries made through XXXX. XXXX and XXXX that i have no knowledge of. I visited XXXX store but they could not find any account and they searched using my SSN. I am baffled how can someone open an account without valid proof of identity. I had chat with XXXX representative over the phone and they said only to contact collectors " after their investigation is complete ''. I have frozen my credit report and filed Identity theft report.
Product: Credit reporting or other personal consumer reports

Your company is currently reporting a negative listing to the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such history. If youll review your records I think you fill, find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency record is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, At this time I am requesting that late payments from XXXX XXXX XXXX XXXX be updated to current.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account information is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, equifax and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Product: Debt collection

I call d credit acceptance and they told me that they close my account and that I dont owe them nothing but it still reporting to my credit
Product: Debt collection

Moved out prior to lease fulfillment due to medical issues and needing to move back home, 2 hours away, to be closer to family.

Proper notification was given, house was cleaned and undamaged.

We are being charged for an entire house ( 2 stories ) of broken ( wooden ) blinds when the only set of blinds damaged was on the front and back doors. These are the vinyl blind, costing about {$20.00} per pair. 

In total, the company is requesting a payment of {$3000.00}.
Product: Credit reporting or other personal consumer reports

Reporting duplicate that on my credit reports the collection agency purchased this debt from XXXX XXXX XXXX in 2015. They have duplicate items one of my XXXX XXXX and one of my Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my XXXX credit report. I immediately filed a dispute with XXXX  stating the account was not mine. I was informed by XXXX that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. XXXX contacted me again to say that the collection agency still reports it is mine. I was told by XXXX to contact the collection agency because XXXX does is contact the company and the company says it is mine an that's the end of the story. I contacted ABR, albeit reluctantly because I felt like XXXX did not do their due diligence and I am afraid of repercussions from the collection company and XXXX. At ABR I spoke with XXXX who stated that the account was opened in XX/XX/XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with XXXX was over 700 and now it is down to like XXXX. That should not be allowed especially because it is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019, I signed up to put a freeze on my Equifax credit account to prevent fraud. 
Today, XX/XX/2019, I contacted my phone company to add service. They asked if it was OK to check my credit report, using Equifax. I said fine, but I would need to sign in and temporarily unfreeze the account. 
When I went to the " XXXX '' website and signed in with my email address and password, the site responded with an error message, stating to call the customer service number. 
My first call was transferred 3 times, then after 24 minute was disconnected. 
My second attempt, I was routed to and " American agent '' XXXX, who said he would correct the issue. After 53 minutes, he told me that my account does not have enough lenders information to authenticate me, and that I would have to send, by mail, photocopies of my driver license and SS card for authentication, then wait a week or two before Equifax would respond. 

He also told me that it would not help my future attempts to access my account after 30 days, and that I would have to, again resubmit the same information, then wait again for week or two before Equifax would respond. 

Equifax has had an account on me for 32 years with impeccable credit. ( XXXX score ) I have no debt, no car loan, and no mortgage. I have 4 active credit cards paid in full monthly, with NO carried balance. I owe no-one and have no lenders. Other than my credit cards, my residential utilities are all I have as monthly dues. 
These are all listed on my credit history with Equifax. 

The CSR, XXXX, told me, that the only way for me to be able to be authenticated was to have lenders reports in my history and that I needed to take out some loans. He said that, In order for me to access my account ( to enable and disable a freeze ), I have to generate debt. I have worked all my life ( XXXX years old ) to get the monkey off my back, just to have this CSR tell me that the only way I can be authenticated ( to be able to manage my account ) is to take on debt. What kind of XXXX XXXX is that? 

So I am unable to log in to unfreeze the account so the phone company can process the order. Neither was XXXX able to do it. 

With the letter and documents he instructed me to send, It will still take a minimum of a couple weeks, then it will only be good for 30 days.
Product: Credit card or prepaid card

In XX/XX/2021, I signed up for the American Express XXXX XXXX. On XX/XX/XXXX, the first payment bounced because autopay was not set up correctly. The reason was that the American Express payment tab is poorly designed, so it was my impression that autopay settings from other American Express cards were transferred to XXXX American Express cards. It is not clear that the banking information needed to be set up again. On XX/XX/XXXX, I was charged an interest fee. Around XX/XX/XXXX, I called American Express to ask for the interest fees to be waived on the basis that it was accidental due to a misunderstanding of American Express ' autopay system. The agent agreed to waive the interest fees. However, the interest fee refund was never posted. Subsequently, I called back about a week later, and the agent could not find a record of the request. I asked the agent to refund the fee since it was previously promised. The agent denied the request since no record could be found. The agent said American Express would conduct a review of previous calls. About a week later, using the American Express app, an agent stated that the review could not find such a record. On XX/XX/XXXX, I was charged another interest fee of XXXX USD relating to missed payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Capital One has reported a charge-off status for an account that I believe has been inaccurately reflected. I have diligently maintained my financial obligations and made efforts to address any outstanding balances. 

They started reporting this on XX/XX/XXXX. The last reporting was on XX/XX/XXXX. The balance on this is XXXX dollars. It is to my understanding that they have sold my account to a collection agency in the beginning but now they got a credit from the IRS when filing my account.