23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been working in public service for the Federal Government since XX/XX/XXXX. I initially served at the Social Security Administration ( SSA ) and later embarked on a near decade-long career at the United States Department of Labor ( DOL ). 

In XXXX of XXXX, I submitted two Public Service Loan Forgiveness ( PSLF ) forms -- one on XX/XX/XXXX for my tenure at DOL and another on XX/XX/XXXX for my service at SSA. Regrettably, the form for XX/XX/XXXX has been erroneously marked as a duplicate, despite being intended for my previous employer. Despite multiple attempts to correct this issue through phone calls and written messages, the problem continues. 

I uploaded the PSLF form and W-2 's for XXXX and XXXX from XXXX again XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On several occasions I was informed that they would " put in a rework '' for the PSLF form that was incorrectly labeled. To date, my PSLF form for SSA has not been reviewed again. 

I am writing to request your intervention in addressing this matter and ensuring a prompt resolution. The misclassification of the form as a duplicate has negatively impacted my PSLF application, raising concerns about my eligibility and payment count. If reviewed correctly, my payment count will be XXXX of XXXX, which will help me to have XXXX of my XXXX loans forgiven. 

I was initially advised 30 days, then advised 60 days and now it is apparently 90 days. There has not been any representative who has been able to rectify the issue. 

I need MOHELA to review and rework my PSLF form for my previous employer, SSA covering eligible periods of XX/XX/XXXX to XX/XX/XXXX. Several of my previous messages have gone unaddressed and unanswered. Any help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.
Product: Credit card

I filed the complaint ID XXXX. They said they closed the account and failed to advise as to the reason. As a result my credit score went down XXXX points
Product: Mortgage

My lender, Citizens One Mortgage falsely reported to the credit bureaus that I was late on my mortgage payment. I learned of this error when I tried to refinance my home. I was denied because of this error. I contacted my mortgage company and told them I required a letter stating that I was not late that month. They told me it would take 30 days to research. 30 days passed and I received no resolution, then I received a letter saying it would take 45 days because it required more research. After 45 days, then I received a letter that acknowledged the error on their part, but would not state that I was n't late which is what I told them I needed in order to move forward with my refinance. When calling customer service they urged me to speak with their refinance department which made me suspicious that they were holding up my document to force me to stay with their company. Multiple emails and phone calls and still no resolution. After fighting this issue now for two months I have received a letter stating that the error will be updated in ninety days, so an error that was not my fault is taking six months to resolve which is costing me money I desperately need and my mortgage company refuses to provide the very simple request of a piece of paper that states I was not late on the month in question. They will and have provided letters admitting they made an error, but they refuse to provide what I need to refinance my loan. How can a mortgage company be permitted to make errors and then abuse their victims with no repercussion?
Product: Credit reporting, credit repair services, or other personal consumer reports

SBNASELFLNDR on my credit reports show a balance of {$420.00} but is is not XXXX and has not been updated since XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spent the last 2 months trying to fix the issues on my credit report due to identity theft issues. Transunion has failed to help in the matter. I have 99 credit inquires that is very disturbing when I contact transition they will not investigate it and say that inquires are factual data. They have given my credit report out without permissible purpose. I have even placed extended Identity fraud alert on my credit report to make sure that my credit is not viewed without my permission first. Transunion has constantly allowed my credit to be viewed. I even tried to dispute these credit inquiries online and they have blocked me from doing so. If you look at the attachments I have given you will see that it don't allow me to start a new investigation within transition dispute portal. Also I have included an attachment to show there is an fraud alert on my credit that Transunion is not adhering to. The only inquires I had authorized was the 4 last mortgage applications.
Product: Student loan

Nelnet takes advantage of young, ignorant students who are unaware of the details of their student loans. Nelnet has illegally cheated many struggling borrowers, including myself, out of our rights to lower payments. Despite my qualification for the income-driven repayment plan XXXX IDR ), Nelnet knowingly steered me towards forbearance. They chose to do this instead of counsel me about more affordable repayment plans because this would result in me overpaying for my student loans. Additionally, over the years, payments were processed incorrectly, and Nelnet failed to act or correct the situation despite complaints. A class action lawsuit is pending, and I need to negotiate a settlement with Nelnet on these student loans.
Product: Debt collection

I am submitting this complaint against Credit Control LLC for knowingly and unlawfully reporting a debt that is not mine, despite clear evidence to the contrary. 

The debt in question was originally held by XXXX XXXX XXXX, who conducted a formal investigation and determined the debt did not belong to me. As a result, they removed it from my credit reports with XXXX XXXX XXXX XXXX I have identity documentation and official correspondence from both XXXX and the credit bureaus confirming that my legal name is XXXX XXXX, not XXXX XXXX, the name originally associated with the account. 

Despite these facts, Credit Control LLC has willfully re-reported this invalid debt on my credit profile. This is not an honest mistake this is a deliberate and malicious act that appears retaliatory and spiteful. They are knowingly interfering with my credit standing after the matter was already resolved in my favor by the original creditor. 

Their actions are in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Failing to update or correct false information after discovery.

15 U.S.C. 1681s-2 ( b ) : Failing to conduct a proper investigation after receiving notice of a dispute.

15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to ensure accuracy.
Product: Payday loan

I received a call form XXXX County of Government XXXX on XX/XX/XXXX. The caller asked that I call XXXX for more information on the case. I called the number, which turned out to be a debt collector working on behalf of Western Sky. The representative said I bounced a check in XX/XX/XXXX and wanted to know if I wanted to settle the matter now. I thought it was strange because I commisssioned a debt consolidation company to pay off all of my debts and this one was not included. The gentleman asked my name and proceeded to state my last XXXX of my SSN. When he stated the address, the address mentioned was n't my address. I stopped him and ask for documentation of proof, since the information he was giving was incorrect. He began to raise his voice, so I hung up the phone. The representative in turn, call my phone at least 4 times leaving harrassing message calling me a scum and telling me I had no intentions of paying the debt, I waited and then call him letting him know what ( this scum ) would do. I do n't know who this person is/was and I really do n't want to know. But his behavior and the threatening manner in which he spoke to me was/is unacceptable.
Product: Credit card or prepaid card

American Express closes my business platinum card and took away all points that I have accrued, both from promotional activities and normal spend. There were XXXX promotional points and approximately XXXX points earned from spending. I called them and they simply said that i do not have an account with them. Those points have cash value and they should not be able to remove those without any compensation. The account was closed in XX/XX/2018. 
I asked them to refund the points to me but they said no.
Product: Vehicle loan or lease

My car was stolen the morning of XX/XX/year>. It was totaled, and before the police could notify me that it was stolen and totaled, it was already on its way to XXXX XXXX, in XXXX IL. I was notified it was no longer driveable as they crashed into a semi with it. I went to XXXX XXXX the following morning to get my car back, or at least get my personal property out of it. They told me no, I was not allowed to do anything with the car unless I paid the {$500.00} towing fee, or my insurance company notified them, that towing and storage fees were covered ( since I was paying for a full coverage premium. ) So, from that day on, I called XXXX XXXX XXXX day after day after day. I submitted my claim and was told I would be contacted by my insurance agent. They gave me her direct office number, I called for probably about two months straight, never recieved a call back whatsoever. So by that time, I knew I couldnt afford to get my car from the towing company if they even still had it. Because I just had a baby, and was not working at the time because of it. So because of that, I never got my car back, I never got my personal belongings out of it which included a lot of my daughters belongings because I had just gotten home from the hospital a few days prior. And now Im XXXX in debt my credit is ruined, because the insurance company can not do their job correctly. They sent me mail saying my monthly premium was raised because of the claim, but never got back to me about the claim or helped me figure out what we could do about my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Vehicle loan or lease

Duty pursuant to the FCRA, it is XXXX  to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting XXXX inaccurate late payment for the Infiniti Financial account ending in XXXX. These include a 30 day late payment posted in XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} BK OF AMER XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} BK OF AMER XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I received a letter in the mail from Synchrony Bank, Creditor, XXXX XXXX XXXX, XXXX, FL XXXX. When I opened it up I seen that it was a denial for a Walmart credit card that I never applied for. Wondering if someone had stolen my identity I nervously checked XXXX to see where and when this happened and there was nothing there! The reason for the denial was based on XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX and phone number XXXX. 

The reasons for the denial were : Insufficient Installment Payment History Date of Issuance of applicant 's ssn does not match date of ssn of peers Invalid phone number of applicant Time since most recent revolving account established is too short While looking online on XXXX XXXX I found that this company has been mentioned many times doing things like this to many others and this is where your name came up to file a complaint about this company. I have never filled out an application for a Walmart Credit card and my credit is good. I believe this company to be scamming Americans and wish that you would investigate them. Thank you.
Product: Debt collection

XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, TransUnion, XXXX, XXXX, and XXXX to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the U.S. Bankruptcy Court, Central District of California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ). 

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate source. 

https : //www.cacb.uscourts.gov/credit-report-and-court-records
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of XXXX  indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?
Product: Credit card or prepaid card

I often times pay this credit card ahead of time and I have never been delinquent. I paid them {$1000.00} ahead of time to cover expenses while I was going to be away from home closing an apartment in XXXX  that I needed while I was receiving medical care but was finished with treatments. The company received my payment but in only 10 days turned around and sent my payment back to me and I thought my bills were paid. I am an elder with no help at all and I knew my time would be very full packing, putting everything in storage and returning to XXXX and believed my bills during the time were covered but Capitol One turned me in for no payment when that was not true! That dropped my credit score a huge  amount and I need my credit restored. I called and changed my address and they said they had my XXXX  address but I never received a bill and my address was never corrected. I am an elder and I am not accustomed to checking my bills online, I do want paper bills since they must be turned in for accounting. I have been a very long term customer but now I DO NOT trust Capitol One, I have been an excellent customer and I am not late on my payments but Capitol One sabotaged me. I need this rectified and I can't afford for them to punish me for paying ahead of time.
Product: Credit card or prepaid card

Statement closing date XX/XX/2022 my Personal computer did not match the credit card account summary truist sent in the mail. Account activity does not match, account number does match and transactions do not match. I printed account activity from my credit card statements and compared them to the account activity that truist sent me in the mail, account activity does match the dates. The issue goes all the way up to XX/XX/2022.