23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan is being serviced by aidvantage. The link on their website for deferment has been down for over a week. When attempting to apply through their online coroner portal, I receive an error message. 

I called a few times to discuss and ask for deferment assistance. I stressed that it was important to complete the deferment as soon as possible to avoid the upcoming XXXX payment since I am unemployed. I was told they would mail the application to me. The issue of the broken website was not escalated. 

I was also told that the operator could not assist me in completing the deferment over the phone. 

The operator also told me that I could download the form via a deferment link through the website. However, the form is not available. 

In a separate conversation with the servicer, I was told that the deferment paperwork would be sent directly to my inbox within 24-48 hours. This time has passed and I still have not received the paperwork. 

I need assistance to complete the deferment ASAP. I find it strange at a time when federal loan payments are beginning again after years that I can not quickly automate or have access to the deferment application. Id appreciate assistance in expediting this process. 

Thank you.
Product: Credit card

I received an email stating that I owed PayPal money. I have only used them to send and receive funds from friends and family, so I thought there was an issue there so I paid the minimum due. I then opened my account to find a credit card had been taken out in my name and there were large purchases made. If I remember correctly, it was in XX/XX/year> and the purchases were for gaming and XXXX. I got worried when I saw this in XX/XX/year> and I reported this incident to their fraud department. They said they would look into it. 
They sent me a letter in the mail asking me to fax them some documents, which I did. Then I didn't hear anything about it and thought it had been taken care of. I just received a letter in the mail XX/XX/year>, and they said that because I did make a payment, they can not report it as fraud. This card was taken out with my maiden name, not the name I have now. The balance is going up as PayPal is continuing to add fees, but I did not open this card and I have never used it!
Product: Checking or savings account

I have called three times and e-mailed three times trying to close my Checking and Savings accounts with San Diego County Credit Union. They refuse to do so. I have attempted to close the accounts all 6 times I've contacted them yet my accounts remain open. I have included pictures of the numerous times I've tried to close accounts via contacting SDCCU. I circled them in blue. You can see this has been going on for multiple months. I am also more than willing to find phone records of when I have called in the past three months to attempt to close my accounts as well.
Product: Student loan

I co-signed a student loan almost 17 years ago for my oldest daughter. The terms of the loan clearly stated a 120 month re-payment schedule. Now 193 months later the AES is trying to get me to pay the loan, because they kept deferring payments and allowing the interest to accumulate to well over {$20000.00}. 
I have requested a co-signer release numerous times, but they keep denying it. 
Now they are harassing me about the payments, and have ruined my credit score. 
I went from an XXXX to a XXXX in 4 months because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my TransUnion Credit Report.
Product: Credit reporting or other personal consumer reports

I came across the cfpb XXXX  lawsuit. 

I was negatively impacted, by the XXXX/Equifax hurt my chances at credit after receiving a response to my early disputes that the accounts were " verified ''. But I don't see any details about your investigation. 

Do you want to be fined too Come with the receipts, or be quick to delete. 

Thanks and send me the new report with the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$350.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX  XXXX ) XXXX {$1000.00} XXXX  XXXX  ( Original Creditor : 06 XXXX  ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$25.00} XXXX XXXX Balance : {$1000.00} XXXX/XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information reported on my credit profile regarding a debt from XXXX XXXX XXXX  XXXX This debt was sold, and the information currently reported is inaccurate. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that the XXXX XXXX XXXX entry is removed entirely from my credit report. The inaccuracy of this information is negatively affecting my credit score and trustworthiness.

Maintaining inaccurate information on my credit report is illegal, and I believe this mistake needs to be corrected promptly. I have documentation supporting my claim, including statements and correspondence with XXXX XXXX XXXX  XXXX that I can provide upon request. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I disputed items on my credit report with TransUnion XXXX/XXXX/2016 via their online dispute portal. I received notice upon logging in to check status of my disputes that they needed additional time. I have reached out to them with no assistance regarding the fact that they have 30 days to investigate and either verify and/or delete items from my report. This is very distressing and they have been of XXXX help. I have also notified them of my taking steps to file a complaint with you.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following items that I believe are inaccurate and harming my credit. 
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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XXXX  of 2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector
Product: Credit reporting or other personal consumer reports

I paid off the account in 2022 and relocated to Florida last year. When I got the bill from Audi I requested a copy of contract where I approved of this charge. Audi did not provide such. I am not just noticing that there is a charge back.
Product: Credit card

i ordered a ring in XXXX XXXX the ring came. it had no stone in the middle. i also ordered a family ring it never came. i called them. They gave me credit for the ring I never received. besides they were out of stock to reorder. I got the ring again the second day the stoine fell out! I called again and said that I just want to return the ring and just close my account out because the jewelry was constantly breaking and not up to part. The guy said ok. i asked them to ship me a return label for the jewelry. they did. I mailed the jewel back to them in the labeled return package. I assumed that it was returned because I never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid it is hurting my file with Equifax I am interested in disputing all incorrect information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing with XXXX, XXXX, XXXX XXXX, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is 21. XXXX, XXXX, XXXX XXXX all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient added remarks to my student loan.I was forced into forbearance by navient again.I am scheduled to resume making monthly payments of {$170.00} a month.Starting in XXXX 2017.Navient continues to add balance increased on my credit report, but I am in forbearance.Navient is not allowed to make add any remarks to my credit during this time.They did not ask me to add these remarks.This company is horrible and they all should be arrested for fraudulently credit reporting.
Product: Credit reporting or other personal consumer reports

Incorrect personal information is being reported. This is my second time submitting documentation in regards to supporting correcting the incorrect personal information being reported.
Product: Credit card

For dispute XXXX I made my concession that I would accept the bill as long as the merchant sent me the certificate of the bracelet back. But XXXX said they lost it, so what did I get for all the money I paid?? 

This is already suspected of defrauding consumers. It is ridiculous that Amex is still on the side of the merchants.
Product: Credit reporting or other personal consumer reports

I requested, from Experian, XXXX different occasions via certified mail, documented proof from XXXX stating the item on my Experian report is incorrect I uploaded the voice conversation that I recorded with XXXX XXXX as proof. Had no time to research. I received the results within XXXX business days after receipt from Experian of my dispute. Theres no Feasible Way, Experian couldve researched and closed the dispute within XXXX business days, in addition, I received no back up documentation of their investigation. I want this removed from my Experian report as I have rendered proof to experience and XXXX XXXX has hung up on me on XXXX different occasions.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DYNAMIC RECOVERY would verify the debt. So I took it upon myself to ask DYNAMIC RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX - XXXX - {$460.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$100.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX - XXXX - {$1800.00} XXXX XXXX  XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$530.00} XXXX XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$620.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  - XXXX - {$48.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Mortgage

Hello, I am trying to get a mortgage from Bank of America. My loan officer ( NMLS # XXXX ) continually ignores me when I message her asking for certain documents such as conditional loan approval. She refuses to communicate with me in a timely manner and this is causing much duress on my behalf. I believe her refusal to work with me or communicate with me is racially motivated. I have attempted to contact her manager but to no avail, my messages go ignored. At this point, I am in danger of losing a deposit on a home of {$25000.00} and my loan officer still ignores me.
Product: Student loan

the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.
Product: Credit card or prepaid card

This XXXX bank doesnt value me or my business they refuse to process my credit card applications send me a XXXX letter saying Im high risk
Product: Mortgage

RE : ATTACHED XX/XX/2021 LETTER FROM SUNTRUST RE : SUNTRUST BANK COMMERCIAL LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX PLEASE PROVIDE ALL RECORDS AND THE FULL ACCOUNTING PERTAINING TO ABOVE THREE LOAN ACCOUNTS. 

PLEASE PROVIDE COPES OF RECORDED CONSTRUCTION MORTGAGE LOAN AND PERMANENT MORTGAGE LOAN PERTAINING TO ABOVE LOAN ACCOUNTS. 

THANK YOU, XXXX XXXX XXXX
Product: Debt collection

About two or three yrs ago. I have paid this company my loan and have paid it in full amount. Last and today XX/XX/18 I called XXXX XXXX XXXX XXXX at the near by store and the clerk told me that I have not paid my loan in full. I told them you have to call these number so I did XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ask collection why they have not cleared me out of their system that I have paid off my loan. The woman at the XXXX XXXX said it was not them that collected the money from me it was another collection agency that were handling my bill. 

I was told to call them. I told XXXX XXXX XXXX that I have paid all the loan. why cant they clear me out of their system. 

XXXX XXXX consumer
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 


Account Name : XXXX  XXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  XXXX XXXX Account XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This loan is reporting wrong facts. I do not owe XXXX XXXX paid XXXX. XXXX paid gap XXXX. Warranty refund check of XXXX was paid and refund on gap XXXX. Was applied. The rest of loan is recycled and I have a due payment on XX/XX/XXXX of XXXX. This payment is current. I am not late. Nor have I ever been late. They reported me 30 days late and behind. I want this all updated amounts and no lates. Remove all lates.
Product: Debt collection

A woman called me from an out of state # XXXX and said she was calling me because a Civil Action Lawsuit was being filed against me. She would n't tell me what the lawsuit was in regards to, she was rude, she said I needed to call XXXX and reference a case # within the next 2 days before I get served with a Summons. I called the toll free # and a man requested my name and DOB and said the call was in regards to an outstanding XXXX account the was 7 years old. I explained to him that I 've never had a XXXX account. He said I should know about it because it would have been on my credit report. I told him it was n't and I know this because I just purchased a home. When I told he to no longer call my phone and that I work at a lawfirm and will begin recording the conversation he got really upset and requested my bar number. He then said I could n't record our conversation and said he was going to hang up.
Product: Debt collection

This complaint submission is in regards to a false credit report by FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by FRONTLINE ASSET STRATEGIES has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and FRONTLINE ASSET STRATEGIES ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.