23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying off these student loans for over 10 years now. I am at the point where I want to pay off my student loans very aggressively and be done with them within a year or 2. However, Navient does not allow you to pay more than the minimal payment they suggest for you as a monthly payment. You have to " apply for '' and choose one of their payment plans that are all very low and minimal payments. If you want to pay off more than those minimal amounts you have to manually log in every time and specify exactly the overpayment you want to make. I want to be able to pay off a large sum as an automatic monthly payment without having to log in every month, but they make this impossible. I easily do this with the 2 other loan companies I use with no issues. You should be able to choose exactly the amount you want to pay off as a monthly auto payment. I have gone through every link on their site trying to figure out how to increase my monthly payments with no luck. I feel that they are purposefully and actively trying to discourage me from paying more than the minimum payment each month.

When I try to contact them about this issue, there is a roadblock there as well. There is an endless loop of broken links that never takes you to a place where you can email or message them. I click on " Contact us '' and it takes you to page where you can click to 'email them ', and that takes you to the log-in page, even if you are already logged in. And when you log-in again, then you have to go through the same steps again, never getting anywhere to contact them online. Finally I give up every time because I get so frustrated. I think this is their plan. This problem has been going on for a long time. They do not respect their customers, and I believe they purposefully try to make you owe them more money by accruing more interest over a longer than necessary time period.

I don't have much in terms of documents to attach for evidence because these are things I can not do, so it's hard to document them. So I will attach some screen shots of the place I got stuck trying to contact them.
Product: Debt collection

In accordance to the Fair Credit Reporting Act 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 XXXX : 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

I sent out a letter to XXXX and Discover on XX/XX/XXXX. My current XXXX credit file is showing a Discover Account # XXXX as a 1 ) Negative payment status, 2 ) Charge Off for XX/XX/XXXX, 3 ) Worst Delinquency as a Charge Off, and 4 ) Late payments since XXXX. 

After speaking with the IRS, they define a charge off as ORDINARY AND TAXABLE INCOME which is reported as such on tax returns. ANY amount over {$600.00} they are required to send a 1099c. INCOME IS NOT REPORTED ON CONSUMER REPORTS. And according to Responsibilities of furnishers of information to consumer reporting agencies, 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. Also from XXXX 's publication on XX/XX/XXXX, they STATE loud and clear that INCOME IS NOT INCLUDED in a consumer report. Discover and XXXX has failed to resolve this issue and continue to report inaccurately in clear violation. Because of reporting inaccurately, this account should be removed from my credit report entirely. 

The status of this account should not be negative or a debt anywhere on the account, or a late payment. Instead, THE STATUS OF THIS ACCOUNT IS INCOME. Which is not included on a consumer report and should be removed immediately. I am attaching the letter sent with certified mail receipt.
Product: Credit reporting or other personal consumer reports

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

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

I Sent in a dispute to XXXX, Equifax and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I haven't Received no physical document of debt or corrections
Product: Credit reporting or other personal consumer reports

I Have been disputing these fraudulent inquires on my credit report for the pass couple of months now and the credit bureaus have yet to remove them.
Product: Credit reporting or other personal consumer reports

So far I've made it through 2 of 3 credit bureaus. Both showing 2 incorrect, false information. 
1 ) XXXX XXXX  Applied for services on line. Multiple phone lines and phones. Went in to pick phones sign papers, we were refused phones, we stated cancel whatever contracts, because you are breaching the verbal/written agreement made, so we left no phones. Now I find on my credit report an amount owed, and negative marks. For a contract breached day 1. I have no documentation because the only thing to document, was the breach done by XXXX. I find this highly disturbing. Both bureaus refused to correct and remove but stated my dispute ( which IVe filed multiple times, can't be located ). Disgrace. 
2 ) after being rear ended and put out of work, a crooked insurance company sent me 2 pip  checks. ( personal injury protection ) on most insurance policies. And in true form for customers loyal for 10 years, XXXX put stop payment before mailing these checks. My accounts were frozen and force closed due to ( suspected ) fraud. Now I find XXXX XXXX is showing up on my credit report, showing a credit card balance. Funny thing though, payment was refused and the money in hand denied with an accusation of possibly counterfeit. This was after being in a XXXX XXXX and finding out my accounts were frozen and in process of being closed. This action from my bank, because of fraud done to me by my own insurance company. When this was reported to the authorities, by me, the XXXX  XXXX  there to protect consumers, found in favor of the insurance company. Apparently it's alright to defraud your loyal customers. Apparently it's ok to show false inaccurate information about you on credit reports ruining your chances of ever fixing or repairing your credit. Or owning a home, or decent car, or any benefit of good credit. And though I mean I'm no attorney, but isn't it illegal to put false derogatory and negative information out to whomever requests it? And refuse to remove it? I've made no headway with XXXX the bank or the bureaus. And this is so wrong and illegal. But what do you do when this happens? Report it to the crooked authorities? Like the CFPB who will always in my experience side with the corporation not the consumer they are supposed to protect. What a disgusting agency this one is. Corporate financial protection bureau.
Product: Credit card or prepaid card

I received a Vanilla {$50.00} gift card and was told by Vanilla that it was used by someone else, which makes no sense since I have the card in hand. I asked that they send me a replacement, which they would not, so now I am out {$50.00}. I have tried to call them again, as when I tried to check the balance online ( says there is a system error and to try again later, which I have done a few times ) and I have gotten hung up on XXXX times. Called a fourth time and I have been on hold for over XXXX minutes now ( XXXX, XXXX, XXXX ). All I am asking for is a replacement to be sent by Vanilla directly, as the card was purchased at XXXX and may have been stolen from there as soon as it was activated. XXXX says there is nothing they can do ). I am hoping you can reach out to Vanilla to get this resolved for me. Thank you.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Reports a 30-day late payment in XXXX and a 60-day late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a 30-day late payment in XXXX and a 60-day late in XXXX. 
Equifax : Reflects a 30-day late entry in XXXX and a 60-day late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Here in ct, unemployment debit card was frozen by key bank, two attempts were made too order a replacement card too access funds deposited by unemployment too account and neither attempt has had card sent in mail.there is money in the account I can't access without the Debit card replacement this issue started apx XX/XX/2020, each month since today 's email two request were made by phone too keybank with no card being recived by mail. As of XXXX XXXX now. The last card issued was debit card XXXX which is still frozen by key bank and I have in my possession waiting on a new card replacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter was written by myself attention to Experian Disputes. In addition to the letter, I submitted several notified documents regarding a bankruptcy listed on my credit report that is not mine. The initial dispute they initiated regarding the bankruptcy, for which I did not ask for is dispute # XXXX. I instead asked Experian to provide me with the information as to where they received any bankruptcy information listed with my name. The attached letter I sent to them was the dispute I then attempted to initiate. 

I then received notification that Experian accepted this certified letter and attached documents, and instead of escalating and initiating a dispute on my behalf with the certified information I sent to them regarding this bankruptcy listing, based on all the information I sent via certified mail, Experian instead fraudulently opened a dispute on a credit card account that is listed on my credit report ( XXXX XXXX Credit Card ), for which is in good standing, and that I DID NOT ask for. I have called several times in order to attempt to speak with a supervisor to find out how this error occurred, and all representatives tell me no supervisor is available. Not only did they not initiate my dispute as requested to solve the issue of the bankruptcy being listed, but they initiated a different dispute in its place for which I did not ask.
Product: Mortgage

On XXXX XXXX, 2016, my partner and I closed on a new home. We are both first time home buyers. Our mortgage company at closing was Movement Mortgage. Our first payment had not even come due when I received a letter from Movement Mortgage dated XXXX XXXX, 2016, stating that our mortgage was being transferred to another entity, XXXX XXXX. The letter stated that the official transfer date was to be XXXX XXXX, 2016. On XXXX XXXX I registered with the new lender 's payment site, which had all my info and reflected my current due payment for XXXX, and paid our first payment. I thought everything was fine until, on XXXX XXXX, I received a letter dated XXXX XXXX from Movement Mortgage stating that the transfer did not go through for the date expected and implied that our first payment should go to Movement. I called Movement 's customer service line and was told that our first payment should have come to them and the payment we made to XXXX was supposed to be our second payment. The Movement rep said he put in a request to have the payment transferred to Movement. I did not have high confidence in this individual, so I called XXXX and was told that our loan was successfully transferred to them and we actually did pay our first payment. Confused, I called Movement back and got the same rep ( his name is XXXX ). I asked him to confirm who owned our loan, and he just repeated several times that it would take 48 hours to hear back from the other lender. I asked to speak to a supervisor and he refused to transfer me. I hung up, having received very little help, and contacted the loan officer that originated our mortgage, who provided way more assistance, but I am still at this time left with very confusing information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, at XXXX XXXX  I went to PLS Check Cashers located on XXXX XXXX XXXX, TX XXXX to cash my check for {$2900.00}. After a fee ( XXXX ), my total cashback was {$2800.00}. The teller counted it and gave it to me. Once I got home I counted the money and noticed that I was only given {$1900.00}. I went back to ask the teller to count and she refused to count her drawer to see if she balanced. I asked to see the video surveillance and was also denied access. The teller told me to come back once her shift ended. I came back at XXXX XXXX. And was told that she balanced and they had checked the video and everything balance out. This can't be since I am missing XXXX dollars. I filed a police report at their recommendation but nothing has been done. I can not be out XXXX, especially without any help from them.
Product: Debt collection

I received a letter from XXXX XXXX XXXX regarding a debt from Jefferson Capital Group with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to XXXX XXXX XXXX within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, Jefferson Capital Group has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Product: Student loan

MOHELA ( a Federal Student Loan servicer ) stole {$4500.00} from a payment I made and scheduled on XX/XX/2023. A payment information below was receipted and acknowledged with : - Confirmation number of XXXX - Payment Amount : {$9500.00} - Payment Effective Date : XX/XX/2023 Then, the above confirmation number was deleted when I checked my account online last Sunday ( XX/XX/2023 ) evening with a payment being shorted in the amount of {$4500.00}. Now, a remaining student loan balance is being reflected inaccurately as {$19000.00} instead of {$15000.00} being the correct amount. 
I have reached to MOHELA directly twice since last Monday ( XX/XX/2023 ) with issue still being unresolved at this time. 
I literally upset that MOHELA did this to a student who has been abiding by law and policies with no late payments ever in the past. MOHELA needs to stop stealing money from students of the United States of America. One bad actor/actress/employee really ruin the reputation of MOHELA this time. MOHELA needs to step up in finding those who are responsible in stealing student 's payments money. 
MOHELA changed a payment amount received from {$9500.00} to {$5000.00} last Sunday ( XX/XX/2023 ) by stealing my own student loan payment in the amount of {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, someone opened a credit card in my name
Product: Student loan

The company overseeing my Stafford loan made minimal efforts to contact me ( only sent letters to the address of the college I graduated from ) before sending my loan to collection. My phone number, which has been the same for six years, was easily available to them. The first notice that reached me regarding the delinquency of this loan was through my preferred credit score checking program. There was no identifying information for the company, and it took significant effort to find out who they were. Once I was in touch with them, I immediately paid off the loan in full plus a significant fee they included. 

I had every intention of paying this loan - I have been consistently *overpaying* all of my other student loans since I graduated, and would have done the same for the Stafford loan had anyone reached me. My college was transitioning financial aid directors and I wasn't issued an exit interview for my loans until a full year after I graduated, by which point this scenario had already transpired.
Product: Credit reporting

**This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

has violated my rights. Or list of inquiries 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

PLEASE, I'M BEGGING YOU TO SETTLE THE REMAINING BALANCE FOR MY REPOSSESSION, PLEASE UPDATE THE INFORMATION LATES ON MY CREDIT REPORT,
Product: Mortgage

I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.