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

Experian is showing one time late in there categories box. I requested and received and reviewed my full credit report. There is no lender reporting a 30-day late on the report at all. I have tried to relate this information to Experian and have not heard anything back from them. I want the one time late from some unknown entity removed from my credit report.
Product: Student loan

My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.
Product: Debt collection

National Collection Systems , INC or National Credit Management is operating with out a state license or registration in South Carolina according to the NMLS consumer access report. They have added two collections on my credit report and I would like them removed for this illegal tactic they're doing. How many others are subjected to this and don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax website set up for the express purpose of confirming whether or not individuals in their databases had their information compromised in the recent large scale data breach, I am one of the affected individuals. Considering the magnitude of the breach, as well as the sheer breadth of the information I now know is compromised, I feel that this was a blatant disregard for the sanctity and security of my personal information by a company that should have had appropriate safeguards in place to prevent such an occurrence.
Product: Mortgage

Original loan was secured through XXXX and was sold to Mr Cooper loan servicer immediately. My husband is a XXXX XXXX  and qualifies for property tax exemption in our state. Appropriate documentation was sent to loan servicer as soon as it was received in XXXX. Contact with Mr. Cooper was made in XXXX and I was advised that the document was received and to allow 21 days for disbursement of funds in escrow account and adjustment to payment to be made. I made contact again in XXXX before the XX/XX/XXXX payment would be due ( after at least 21 days ). I was told that the paperwork was processed but just the day before I had called and no adjustment would be made for XXXX 's payment of {$3000.00} which should be {$230.00} less than that monthly. I called again today XX/XX/22 at XXXX EST and was told their system was down and that I had to call back later. This was after holding for XXXX minutes and manipulating their deplorable computerized phone system. I requested a call back and was told they were not able to do that. When I asked to speak to a XXXX, the XXXX stated that I had " rejected a call back offer '' and then proceeded to tell me they could not call me back. This is just XXXX. I disconnected the call because unfortunately, I will have to call back. If the situation were reversed and I owed money to them, they would positively be more proactive. XXXX initially told us the exemption is done often and would be a simple and fast process to adjust our payment. I am adjusting the amount we pay, to what we actually owe monthly {$2700.00}. We need action taken by Mr. Cooper to reflect the status that my husband earned and if XXXX intends to service XXXX, they should cease any business with Mr. Cooper.
Product: Checking or savings account

This is the same # account. That i Already put in, for ( CFPB ). 
THE # account number # XXXX The date I put in complaint was XX/XX/year>
Product: Debt collection

Credit Collection Services has been reporting with XXXX negative unverifiable collection account information # XXXX belonging to XXXX, this debt was already paid to original creditor {$210.00} known as XXXX XXXX XXXX. They report as Paid in settlement when in fact they should not report this erroneous information with XXXX at all. I have no contractual business relationship whatsoever with Credit Collection Services. 

Credit Collection Services repeatedly refuse to delete or validate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan and XXXX reporting delinquent and it is not delinquent been placed on hold per President 's request.
Product: Checking or savings account

I never thought Id find myself writing a letter like this especially during the Holidays, but I feel compelled to share how deeply frustrated and disappointed I am with my recent experience at Citibank because they have ruined my holidays. 

A few days ago, I opened a checking account because they had been emailing me constantly to open one and I thought why not as I already use Citi credit cards and did not have any bank account with them until now. I trusted their institution and deposited online my hard-earned money, planning to use it for holiday expenses. However, shortly after making my deposits, I received an email informing me that I had somehow violated your terms and that my account would be closed. Whats worse is that no one Ive spoken to has been able to explain what exactly I did wrong. Instead, I was told Id receive a letter with more details and that my money would be returned in 30 to 60 days.

This situation has completely upended my holiday season. The money I saved to enjoy this time of year is now locked away, and I feel helpless and betrayed. I trusted Citibank as a reputable institution, but this experience has left me questioning everything. 

I dont understand how depositing my own moneysomething your system allowed me to docould result in such drastic action. Whats even harder to accept is the timeline youve given me. Waiting up to 60 days for money that belongs to me feels unreasonable and unjust.

As someone who has worked hard to maintain a strong credit score and financial responsibility, I feel like Ive been lured into opening an account under false pretenses, only to be left in the dark and forced to beg for my own money.

Im asking you, as someone who trusted your bank, to do the right thing : 1. Please provide me with a clear and specific explanation of why my account was closed immediately.

2. Release my funds immediately. I shouldnt have to wait 30 to 60 days for money that is rightfully mine.

3. Acknowledge the distress this has caused and offer a sincere apology for how this has been handled.

I hope that Citibank values its customers enough to resolve this quickly and fairly. Ive always believed in giving businesses the benefit of the doubt, but this experience has left me feeling like just another number, rather than a valued customer. 

I genuinely hope to hear from someone soon who can help fix this situation and restore my faith in your institution.
Product: Debt collection

XXXX XXXX XXXX have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.
Product: Credit card or prepaid card

XX/XX/2022 I am writing to have American Express change their default email regarding payment due. 
They have many alerts and options once you call to complain, however there default is to email you a payment due email after your due date so you are charged XXXX late fees. 
The email is not sent on or before but after and it states your payment is due. It should say it is past due. I called and they did walk me through the process to change the alert to 5 days before, however this should be the standard. How many people pay late fees because they are notified AFTER? Their statement do come in your email however, when you have 5 email and receive many emails a day for business, you see the statement but may not have time to open it to see when it is due. A simple text or email stating the due date BEFORE it is due should be the default and would save many people a the XXXX late fee. 

Thanks
Product: Debt collection

They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Product: Debt collection

I have been receiving repeated calls since XXXX 2022, and they were occurring once a month. I spoke with the company in early XXXX, told them the debts they cited ( originating from " XXXX XXXX XXXX '' ) were not mine ( the debt had shown up out of the blue on my credit report twice, which I contested and had removed immediately ), explaining that I had insurance that would have covered or at least informed me of any outstanding balances at the time the charges would have taken place, as well as having no hospital visits occur in that time frame. I ultimately told them to provide written proof as they refused to accept that as an answer. 
I received a letter two weeks later with a post office stamp originating from Florida on the envelope ( the company states it's located in XXXX, Ga ). The letter had no formal letterhead, contained typos, and used language like, " We have tried to contact you numerous times to help you, why have you not reached back out to us? Why are you avoiding us? '' as well as the cited amount included being larger than what had been stated on the phone. 
I disregarded the letter and tossed it as it was blatantly fraudulent, and refused to interact further. 
Since then, the calls have increased to multiple times a month.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

LIST OF ACCOUNTS BEING CHALLENGED 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: Student loan

I received a student loan from FAFSA which was serviced by Great Lakes. I attended XXXX XXXX and it went out of business before I received my degree and the job that they promised. I am in debt of about {$45000.00} in student loan debt. I submitted an attestation for XXXX XXXX XXXX Students around XXXX XXXX. I contacted the Dept. of Education and they said to resend the application which I did. I am in forbearance until XXXX XXXX. I need to find out the status of my application. I have contacted the Department of Education and just get a series of taperecorded messages. I need help in finding out the status of my student loan being discharged. The Dept of Education said they would assist people in my situation to get their student loans discharged. I am just getting a runaround. 
I need a reply before my forebearance is over.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX from XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. On XXXX ( XX/XX/XXXX ) I received a text message from XXXX XXXXl stating Effective XX/XX/XXXX the servicing of your account will be transferred form XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Westlake Portfolio Management. Please contact Westlake Portfolio Management at ( XXXX ) XXXX to make you payment or to discuss all matters related to your account. 

I have two problems with this : ( 1 ) After making payment to Westlake Portfolio Management as instructed, I received another text from American Financial that customers can make payment and view account information through our new website at www.amfinancial.com. I have attempted to contact XXXX XXXX numerous times to confirm where payment should be sent, but they do not answer their phone. I am currently still unclear where payment should be made as both companies are demanding payment. ( 2 ) Since XXXX of XXXX, I have been in contact with customer service at XXXX XXXX attempting to terminate my lease early. They never provided any instruction, only that an account manager would get back to me. I called nearly every week for an update with the same answer. I have tried to begin the process with Westlake Portfolio Management, however they advised that they can not uphold my existing contract because we dont do that, you can voluntarily surrender the vehicle with impact to your credit report or you can continue to pay off the lease. 

I have worked very hard for years to repair my credit and do no appreciate the lack luster assistance that either of these companies have given me to resolve this issue. I would like this issue resolved so that I can move on with my life far away from both of these misleading companies.
Product: Debt collection

Kohl 's is using a text message platform to message me before the hours of XXXX and XXXX. Text messages have been received in the XXXX hour on the following dates : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OAG CHILD SU XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation
Product: Debt collection

RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my equifax and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.
Product: Student loan

My issues with Student Loans started aroundXX/XX/XXXX. We began looking for a home to purchase around XX/XX/XXXX and had an official credit report run which came back at about 755, so everything was looking good for purchasing a home. Then around XX/XX/XXXX something weird starting showing up on my credit report, the loans that I had been paying on had been transferred to Navient, which was really strange. ON TOP of that these loans being transferred to Navient showed a duplicate record ( so instead of 6 loans it was showing 12 ) which reduced my credit score down to about 610, and thus drove it lower from there, essentially making it so we could not buy a home. 

I called into Navient for the first time in XX/XX/XXXX, who claimed I did not have any Student Loans being processed/handled by them. 

From there I called back to the Federal Student Loan number who verified that Navient was the one that is now handling my loans. 

It took me 4 months ( XX/XX/XXXX ) before I could get Navient to claim they were the ones now servicing my loans. After that they claimed there was a {$5.00} outstanding charge on my account and that because of this I was showing as " defaulted '' I quickly paid that {$5.00} off to be taken out of default ... ... well now every month I am being charge {$170.00} through my bank which I had never authorized to be drawn from besides that {$5.00} to get me out of default before I could work on a repayment program. 

After discovering that I was being charged this amount I had my Fiancee call on my behalf and they gave her a run around and stated that " I can apply for more deferment time online but because you already went into default once they may not approve it unless we can prove that we can not handle {$170.00} a month '' ; essentially meaning " We XXXX over your deferment because you were just in default and paid {$5.00} to get out of it. '' On top of this the original interest amounts have gone up after being taken control of by Navient, and my credit score has barely improved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two companies : XXXX XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote Experian, XXXX and XXXX and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Product: Debt collection

I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.