23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Student Loan from XXXX and XXXX through Navient. 
1. They do not mail statements.. 
2. XX/XX/2015 I was involved in a XXXX ... stopped school. 
When we moved from XXXX to XXXX I called them and wanted a forbearance ; first they declined.. then since I was unemployed they offered me XXXX. 

3. Within a week they listed my loans on my XXXX credit reports as being as agreed to late and delinquent lowering my credit score from XXXX to XXXX. 

I contacted them ; emailed them through their site and told them of the problem.. employers chk credit scores for medical and when you are around locked XXXX, etc. TNavient then directed me to different directions and for XXXX months this has been going on and all I get are excuses and no action. 

Ca n't get a good job with a low credit score and they refuse to change it.
Product: Student loan

My student loan servicer, XXXX XXXX transferred my consolidated loans to Mohela when they became the new servicer. Since then, the reporting to the credit bureaus show me owing 2x the amount I did with XXXX XXXX negatively impacting my credit score and they have failed to apply loans payment credits towards my PSLF. Additionally, they are reporting that I do not have workplace approvals that I submitted last year and had confirmations by XXXX XXXX of my qualifying employers.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws
Product: Payday loan, title loan, personal loan, or advance loan

I had taken a personal load to consolidate my credit card payments. I had entered that agreement when I was employed. During the covid 19 pandemic, I lost my job and was struggling to make my payments. I had informed the company that I was having a hard time paying my payments, and was looking for a job. At the time, many companies were getting relief as were borrowers. I had asked for assistance, and the customer service representative told me that I would have to be 90 days late in my payments to meet that criteria. So I followed her advice, which then increased my APR to 30 %, on top of additional fees incurred for EVERY DAY I was late in paying them. This is in my opinion, predatory lending practices. 

Then I was told that the representative who had provided me with that advice, was accutally not correct and that I was provided erroneous information. My credit score was significantly impacted and it remains on my credit report as a delinquent charge, even though I paid them in full and even though they lied to me. The last person I had spoken to with at Marcus, was incredibly rude and condescending to me. I will NEVER do business with them again. They deserve to be investigated and held accountable for lying and preying on people. I literally paid them off the moment I got a job and am grateful that I was able to, even though they literally were charging me additional fees and a very high interest rate. They should refund me those fees as well as apologize. They also have wiped out all the documentation on their website, the correspondence and anything I had on it. I will try and attach a photo to this submission.
Product: Credit reporting

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XX/XX/XXXX & XX/XX/XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XX/XX/XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XX/XX/XXXX & XX/XX/XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information as told by the collection agency. Collection agency and original creditor sent me a letter to forward to Experian to have the inaccuracy removed. Upon receiving I started a dispute and uploaded documents provided to have the collection removed from my credit report. I received a letter from Experian telling me that even though they received that documentation they still WILL NOT remove it. No contact phone number to talk to someone about this issue at Experian.
Product: Credit card

Hello, On XX/XX/XXXX, I received a notification that my credit score had dropped XXXX points due to a late payment with CB INDIGO. This account was paid off twice. I paid the final balance due in XXXX and paid the annual fee of {$99.00} in XX/XX/XXXX. After that the account was locked, i was unable to see any payment information and put in account closed status. And since I was paying the other credit cards on time and being offered credit cards I assumed nothing was due. Unbeknownst to me, that was completely false and I was being tricked and charged astronomical late fees and maintenance charges while the account was blocked from my viewing. I have since canceled all new cards with this company.
Product: Checking or savings account

Citibank had a promotion for which if you deposit {$50000.00} and hold it for 60 days, they will give a bonus of {$700.00} within 90 days after the 60 days required. 
I had {$50000.00} in my account on XX/XX/2021, and I still have it there today. 
I got a letter from the bank confirming that I met all the requirements and I qualify for the bonus ; that was their case no. XXXX. 
As of today, which is already past the 90 day, which the bonus was suppose to be deposited to my account within those 90 days, it is still not there. 
I made numerous calls, went to 2 branches and opened cases for complaint.

One branch manager said she can not help me. 
Today I called again and asked to talk to a supervisor, and she opened another case no. XXXX. 
I'd like you to resolve this issue.
Product: Debt collection

People keep calling me with recorded messages saying I have a debt that they want to collect on. I called the company XXXX, the number on their website XXXX, and told them I am not the person they are trying to contact and that they should remove my number. They are still calling and texting me from : XXXX XXXX XXXX I am on the do not call list but their recordings seem to indicate that by saying they are a debt collector they can call me anyway. 
They cant! I don't owe anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX and, XXXX XXXX XXXX has XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX credit inquiries violated my rights. 

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

XXXX XXXX XXXX assessed several months of delinquent/late payment reporting on my credit report. This delinquent reporting was done for the months that were after the account was closed and the title issued. Account was never late. Credit report shows that while the account was open, the account was never paid late. 

I have tried to dispute through the credit agencies, no solution. Wrote multiple letters to XXXX with the return response in a form letter stating that they are correct. How can payments be late after the account has been closed. The late reporting is affecting my credit score and I would like it removed. I believe they are in violation of The Fair Trade Credit Reporting Act.
Product: Debt collection

This medical collection is a result of fraud and XXXX has failed to block/delete this collection for the credit file within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is legitimate. Please see the attached documents.
Product: Credit reporting

XXXX accounts from XXXX and XXXX are fraud accounts, located under my name, i have received both letter from XXXX and XXXX that they have given permission to XXXX major credit bureaus to remove them, all have removed except experian which are very stubborn and are not willing to do so, each time they say they have not been verified as fraud. no matter what the letter are stating. 
please help me to remove these fraud accounts.
Product: Credit reporting or other personal consumer reports

Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to XXXX XXXX XXXX XXXX and TransUnion.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft/fraud and USPS fraudulent change of address. I contacted all 3 credit reporting agencies and put freezes on my credit files. I live in California and disputed an incorrect former address ( located in Georgia ) on my Equifax credit file. I sent Equifax copies of a Police report, FTC ID theft report, my current address, copy of utility bill, and copy of my XXXX. I sent a cover letter expressing that the address in Georgia had never been my address and to remove it from my credit file as a former address. I explained that the address in Georgia was used to fraudulently open up a credit card in XX/XX/2017 in my name. I discovered in XX/XX/2017 that someone opened up a XXXX credit card in my name only when I started to receive collection phone calls from XXXX. I contacted XXXX fraud department and they determined that it was fraud and closed down the account XX/XX/2017. Equifax investigated the dispute and concluded that the Georgia address since XX/XX/2017 had been previously verified by documents from me and determined that the identification will not be deleted from my file. This is so frustrating! I believe that Equifax is responsible for breaching my credit information in the first place and now will not correct my credit file? Nuts!! Please let me know what I am able to do to correct the problem. Thank you!
Product: Credit card

Cashier did not key in my name correctly during the application process. She used my middle name as my first name and my first name as my last name and yet Synchrony Bank approved the application. When I caught the error, Synchrony Financial Credit Services made other errors and I never received the card. One representative verified my personal information on my account, did not document her code on the file as having access to my to my records, and kept me on hold for 1 hour playing the " music '' refusing to allow me to speak with a supervisor. I used my cell phone and allowed another supervisor to hear their music on my landline phone. I consider this abusive of power, invasion of confidential information, r and failure to properly document access to my account. I have been waiting for two week to speak with an executive about this. No one has called ; thus, I have closed my account and requested the positive credit in the form of a check. Each time that I call customer service, I am told something very different. The integrity of my account had been compromised. Weeks have passed and the Executive Office of Synchrony Financial Credit Services has not called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a unverified account with XXXX I have never done business with this company. I believe it is a HIPPA Act violation. I would like to know how my personal information was used and accessed without my permission. The reason for my dispute isXXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX is in compliance with OHIO XXXX. I also have report this account to the FTC, and XXXX County Sherif Dept. I need this collection account to be removed from my credit report. XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 months of PAANLP ( paid as agreed no late payment ) not showing on my Experian credit report. I SEND EXPERIAN MY BANK STATEMENTS OF THOSE 12 months. Those months are XX/XX/XXXX- XX/XX/XXXX. The account is XXXX XXXX XXXX XXXX. They have not corrected my report. I have tried numerous times to make them understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

There are two issues. The first is our PMI that we are no longer supposed to be billed for. Our principal is below 80 %, but Shellpoint Mortgage is still charging us for PMI. We followed the procedures they instructed us to, including setting up and paying for a home appraisal with a company that Shellpoint told us to use. We submitted all the documentation, but Shellpoint had taken several weeks to give us the next steps. We eventually had the appraisal done on XX/XX/XXXX, but we are still being charged PMI. According to the standards that customer service had told me in XXXX, our final PMI payment should have been XXXX. I've asked them several times about this, including, most recently, speaking with XXXX XXXX ( customer service supervisor ) on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. I have spoken with other customer service people prior to this, but I can't remember who. When I spoke with XXXX on XXXX, it was after not having received a response about this from prior conversations. XXXX told me that she would find the solution and call me by the following Monday ( XXXX ). Today is XX/XX/XXXX, and I still haven't heard from her. I called on XX/XX/XXXX, and XXXX said he'd send an email to XXXX about my folllow-up since she wasn't at work that day. On XX/XX/XXXX, I still hadn't heard, so I call again and XXXX put me on hold so she could speak with XXXX, who told me that she would look into that day and call me right away. It is now XX/XX/XXXX and my next mortgage payment is due, and I've heard nothing. I've told all three customer service people that I want a credit for the extra PMI that I've paid because I will not pay for their inefficient process. I am not obligated to pay PMI, but their ineptitude has forced me to because I don't want a negative mark on my credit report. 
My second issue is that Shellpoint has shut me off from seeing my account information. I've called every month for five months to tell them that when I log in, their website displays a screen that reads " processing '', but never shows my information. I don't want to be late with payments, so I pay by phone. However, they are not giving me access to my information, which they are required to do. My first complaint about this was with XXXX several months ago, pre-dating the PMI issue. Since then, I've been told at least four times that an IT ticket would be submitted and that I would be contacted about the solution. Yet, I haven't seen my information for nearly 6 months. In my conversations with XXXX, XXXX, and XXXX, all of them told me that they'd be submitting an IT ticket. Most recently, on XX/XX/XXXX, XXXX told me that she'd submit the ticket and call me back herself within a day or two. That didn't happen either. 
My goal, which is reasonable, is for Shellpoint to remove PMI and credit me for PMI that I've overpaid. Additionally, I want immediate access to my account online.
Product: Debt collection

I received a collection letter from PRA. It stated that I owed a debt for XXXX. When I contacted the original creditor, they said that I did not have any debt owed, they actually owed me a refund check for overpayment on the credit card. I was sent a refund check from the original creditor.

I sent a request for validation to PRA on XX/XX/24 - They responded and claim the debt is valid, so I asked for more proof. They never responded and proceeded to report this to all 3 credit bureaus, dropping my score over 150 points. 

There is no debt, how can a company damage my credit with a fake debt?
Product: Credit reporting 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 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 XXXXXXXX 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 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 reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports