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

Experian as of ( XX/XX/XXXX ) and XXXX ( XXXX ) are reporting multiple bankruptcy on my credit report and they have stated in letter from that their un-named and named data furnishers have verified by the XXXX XXXX  XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX. I have attached a letter from the XXXX XXXX  XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX Verifying, and stating that they do not furnish information over to the credit bureaus, or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. Experian and XXXX are falsely saying this information on my credit reports Has been Verifide, This is not true and have yet to remove it from my credit as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Improper use of my credit report sharing my information with authorization also invalid addresses from the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. 

When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. 

So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. 

I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. 

Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. 

I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : - Original Balance : {$1500.00} Open Date : XX/XX/XXXX XXXX continues to report inaccurate, false information, it does not have enough with the previous errors in this account, now it reports that this account is open and in collections, lying without prejudice and damaging my credit report. This account was closed and paid in XX/XX/XXXX I am tired of this situation. I have tried to correct the errors that I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors in my Experian credit report. 

ERRORS XXXX updated this account and reported No data for this period ( ND ) from XX/XX/XXXX to XX/XX/XXXX, this is a serious error, this account was closed in XX/XX/XXXX and was paid in ( Paid in settlement ), I attach proof of that.Fix this or delete the entire account. 

XXXX REPORTS THAT THIS ACCOUNT IS IN COLLECTION IN XX/XX/XXXX, that is false and misleading information, this account was paid in XX/XX/XXXX and was reported as closed and paid, fix this or delete the entire account. 

3-Why have they removed that information from the monthly balance, the scheduled payment month by month or how much I paid month by month in the Experian report?, Please explain why it was removed. 

4-Why does XXXX not report my last payment? That space is for reporting, not to leave it empty. Do your job and put the last recent payment. 

I have tried to resolve these problems with XXXX on countless occasions and they continue to add more errors and false information to this account. I attach proof that this account was closed in XX/XX/XXXX and they have updated unverified and fraudulent information. I demand that this account be deleted immediately. XXXX is not capable of solving the errors nor do they have the information to certify and verify what they are reporting. 

Please XXXX has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

Thank you Attention : XXXX XXXX XXXX XXXX
Product: Student loan

I wanted to consolidate ALL of my XXXX loans, I submitted an application on XX/XX/XXXX and it was processed by XXXX. However, XXXX says XXXX only consolidated XXXX of XXXX loans. On XX/XX/XXXX, ( after verbally telling me all my loans were consolidated ) XXXX  say they have no record of my loan consolidation and will not accept my email to verify that I submitted an application. I need all my loans to be consolidated in order to qualify for XXXX XXXX XXXX XXXX ( XXXX ) program. Please help. The deadline to consolidate was XXXX XXXX, but I was never informed that my loans were not consolidated. PLEASE HELP.
Product: Checking or savings account

Dear CFPB Professionals : I have received no credible response from Wells Fargo Bank in over 2 years of CFPB. 

Wells Fargo has stranded me again on vacation in XXXX with no credit card. 

I have had no credits or access to my accounts for 2 years now. Wells Fargo team has taken advantage once again of my travel schedule> I have an active broker, checking and savings account for 4 years. 

Summary of Account Closing and Failed Credits Complaint : 1. ). In XX/XX/2023 I rented a car from XXXX and Wells Fargo failed to close my account as my card was turned but, but Wells Fargo Security processed the fraudulent transaction ( {$1200.00} ) and lowered my account balances, and took the money. No security or rep follow-up was written and promised on the phone by a young Rep ( details to follow ). 

2. ) In XXXX & XX/XX/2023 Wells Fargo closed my checking account totaling {$8300.00} with no credits and disappeared with my money for 4 months. Finally in XXXX or XX/XX/2023 ( 5th phone/letter ), Wells Fargo Rep sent my retirement fund to my XXXX  summer address. The Spanish bank put a 30-day hold on thinking it might bounce. Wells was very responsive on XX/XX/2023 within 10 days, magically, they could find a quick trick to keep my money in their holding account. 
WF immediately sent, via certified an indemnification " TRAP '' letter. See Details. 

XXXX. ). XX/XX/2023 I am still stranded in XXXX without a debit card or active account and {$5500.00} in credits not received. SEE Detailed Letter
Product: Mortgage

I had a borrower ask me to come over and notarize some loan modification documents for Mr. Cooper. The problem is that Mr. Cooper put the borrowers name that still alive on one line and then they put the estate of a deceased person on the other line and they put the Verbiage The, Estate of XXXX, XXXX XXXX in the notary certificate, and I cant have that verbiage in a notary certificate for three reasons. 1- I cant notarized in the state. I must notarize a persons signature. 2- the signature line was to be left blank so I cant notarize for a blank signature spot. 3- the person is deceased, and they still want all of this verbiage in the notary certificate, and it is wrong wrong wrong. I argued and argued with him and even talked to the Utah lieutenant governors office and had XXXX from the Utah lieutenant governors office. Talk to the supervisor at Mr. Cooper and they still just kept insisting that they wanted it done that way and refused to fix the documents. They said theyve had other notaries do this in the past and Im the only one who has had a problem with it. Probably because Im the only one that knows what theyre doing or isnt easily coerced into doing things that are wrong. 

So they admitted that they do it incorrectly all the time. 

I didnt get paid by the borrower or except for measley {$10.00} for wasting a half hour of my time. 

Please investigate Mr. Cooper as they dont seem to have any regard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX  XXXX  Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit reporting. 

We contacted the Commonwealth Financial Services , XXXX ( " CFS '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, XXXX XXXX XXXX to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact CFS to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and CFS we have had no change in my credit report. We discussed the matter in detail with CFS ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.
Product: Credit card

I made disputes of XXXX purchases and discover has not been helpful with refunding the charges. the XXXX purchases were XXXX - {$17.00} from XXXXXXXX XXXX XXXX XXXX XXXX {$15.00} and XXXX XXXX {$28.00}, both from XXXXXXXX XXXX The food from the pizzeria made me physically ill and i also got bad service. The disputes for the transportation company left me stranded for both of those charges, causing me to pay for an alternate route home that exceeded what i paid XXXX for transporting me home Discover has done no investigation, theyre only response is to have the companies write me a letter agreeing to a refund. The whole reason for disputing with my card company is to get support for a purchase when the com
Product: Debt collection

I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
Product: Debt collection

On XX/XX/XXXX, around XXXX XXXX  central time, a creditor called a coworker at work to ask her if she wanted to renew an installment loan. She said no and then the creditor asked her if I worked there. By coincidence, this coworker and I both have accounts with this creditor. This coworker does not know me well and didnt not remember my full name and she said that the creditor asked if she can really a message to me. My coworker said no and regardless, the creditor told her to tell me to call them as soon as possible to make payment on a past due account. Coworker told me later on what happened on the call. I was disturbed that they are revealing my debt info to coworkers and supervisors. Its so stressing and theyre making me look bad in front of my coworkers and supervisors. I really hope the CFPB could look into this and these abusive debt collection practices these personal loan and payday loan companies do and the criminal interest rates they charge. I lose sleep at night due to these companies and their predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX are reporting inaccurate and unverified information to my consumer report without my written consent. I have also been affected by the recent news of inaccurate reporting from XXXX.
Product: Debt collection

XXXX through Cavalry SPV I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life
Product: Debt collection

On XX/XX/XXXX, a letter was sent via certified mail to Credit systems XXXX XXXX XXXX XXXX, TX XXXX. The letter had an estimated delivery date of XX/XX/XXXX. As of today, XX/XX/XXXX I havent received a response from Credit Systems. 
The Hippa Letter was just asking the collection agency to validate the alleged debt. In the letter I personally requested, the name of the hospital and medical provider with a detailed breakdown of the fees I owe. 
Please help to get a response from Credit systems, they are in violation of the FDCPA for withholding the information from the medical provider after my written request. Since Credit systems can not validate the debt I am requested it be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to violate my consumer rights. I have disputed the credit transactions conducted without my knowledge or consent by XXXX XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX and XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX, on my credit report a number of times. As the listed credit transactions should NOT be on my credit report, as they have not been conducted by me, the consumer. The CFPB has previously closed my complaint with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the above listed credit transactions are not transactions conducted by or authorized by me, the consumer, and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The listed credit transactions should be blocked and deleted : XXXX XXXX XXXX ( XXXX XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) account number XXXX opened XXXX XXXX, XXXX
Product: Bank account or service

I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete these inaccurate accounts from my credit report.