23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loan is with Navient and I had an deferment status. Before my deferment was finish I consolidated all my loans.the company reporting to the credit agencies that my account is being pay as agreed and closed. Navient is th still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. 
Account Information : Creditor Name : XXXXXXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and XXXX 
The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ Experian ] accountable for their actions. 
Sincerely,
Product: Student loan

I cant remember exact dates unfortunately but I have tried to lower payments through income driven repayment w/ my private loans and for some reason I have been unsuccessful w/ Navient. 

XXXX
Product: Payday loan, title loan, or personal loan

The Upgrade Card is personal line of credit that works like a credit card. The company guarantees that customers will never be held responsible for fraudulent charges. I reported fraudulent activity to XXXX on XXXX separate occasions. The first occasion was around XXXX XXXX XXXX for multiple transactions in the amount of {$490.00}. The second occasion was for fraudulent activity on XX/XX/, for multiple transactions in the amount of {$1200.00}. I gave the company my statement several times on the circumstances surrounding me losing my card. I even went to file a police report on the fraud on XXXX XXXX XXXX. I am not responsible for this fraud, yet the company is still holding me responsible. I need the governments help to get this money refunded to me.
Product: Checking or savings account

On XX/XX/2023 I received a text message from Wells Fargo in regards to my credit card being breached. We resolved this issue by getting me a new credit card, which I received on the XXXX. Then on XX/XX/2023 I received a phone call from ( XXXX ), who appeared to be again Wells Fargo. This communication felt warranted due to the recent handlings with my card breach. This fraudulent caller, whom was under the contacts name and number of Wells Fargo, asked me about some recent activity to my business checking and savings accounts. This call lasted an hour and fifteen minutes long ; then I was told all was being handled and I would be contacted shortly by Wells Fargo when it was settled. Three days later, on Friday XX/XX/XXXX, I checked my accounts. I saw that XXXX dollars was missing from my checking account as well as XXXX dollars missing from my savings account, plus transaction fees. At this time, I tried to call Wells Fargo Fraud Department but it was XXXX pm and they were closed for the weekend. After what seemed like an eternity of a weekend, on the morning of Monday XX/XX/XXXX I went to the local Wells Fargo branch where I was moved along to multiple different agents before being able to put in two claims. I went on vacation and Wells Fargo never contacted me. On approximately XX/XX/XXXX I received two letters in the mail stating that the missing funds were gone and non-returnable ; the claims were then considered closed. The next day XX/XX/XXXX I went to my local Wells Fargo again where at this time the claims were escalated by the branch manager while I was there and I was told someone would contact me in 24 hours. After 24 hrs. I called them and I was told it was my fault for being scammed and there was no more they could do. 
Please note : the Number that called me XXXX XXXX when called does not go to a real Wells Fargo department. It goes to Someone pretending to be with them. 
Also, the real Wells Fargo sent me a text message that I never responded to but they let the wire go through anyway without my approval or disapproval.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued disagreement with the following accounts, which still appear on my credit report despite your recent investigations. These inaccuracies are causing significant harm to my credit score : - 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 In accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the information for the above accounts, so I may follow up directly. Additionally, please send me an updated copy of my credit report after your reinvestigation.
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX : account numberXXXX
Product: Debt collection

I switched cellphone carrier 's on XXXX went to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX or XXXX were annotated on the bill. -I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request, but I never was contacted. XXXX XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX of {$280.00} but no mention of the XXXX {$260.00} payment. -Then on XXXX I received a collections notice form XXXXt on behalf of XXXX stating that I owe {$340.00}. Now its being sent to I.C. System Inc. another debt collection company. To date I have not received any follow up from XXXX regarding my XXXX payment of {$260.00} towards my XXXX account. Also, when I logged in online on XXXX to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX, I began receiving bills that made no sense and my online account did not allow me to see all the billing. PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS AND MY PREVIOUS CFPB COMPLAINT AGAINST CONVERGENT.
Product: Mortgage

Our mortgage company continues to harass and threaten us despite the fact that we are current with our mortgage and hazard insurance payments. We have sent them several letters with proof of payment yet they continue to send monthly harassment letters. My Husband and I suffer from XXXX health problems and the stress from Citi Financial is becoming unbearable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and the two closed XXXX XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today isXX/XX/XXXXand I still havent heard back from these companies.
Product: Credit reporting or other personal consumer reports

On all three of my credit reports they have wrong address I would like them remove from XXXX XXXX and experian
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account was locked up for 180 days following a violation of the user agreement. My funds have been held for over 190 days now and they aren't going to let me transfer them any time soon. I am a single mother of XXXX and I need my money to take care of my kids. All they are doing g is keeping my kids in old worn out clothes and making it hard on me to support us. I am currently working XXXX jobs and still can't make ends meat and Venmo won't unlock my XXXXXXXX XXXX I have on the platform. Give me my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report showed that I opened an account with XXXX  credit card, I never did that. They had my email and home address but different driver license.
Product: Mortgage

I refinanced my mortgage. 
Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Product: Credit reporting or other personal consumer reports

Correct Full Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Please remove this and update my last name Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove this inaccurate information Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please Update my address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report. I will like to be reimbursed for this issue.
Product: Mortgage

After being told by Rocket Mortgage 's " Customer Support '' that NO ONE who worked for the company could make an exception to their policy about re-clearing a returned debit I spoke with their Account Resolution folks. I was placed into a short term modification during which I would pay the past due amount over that time period by making larger payments. I asked numerous questions about the modification since it did not contain a lot of details. One of the questions I asked was about bringing my loan current this month, XX/XX/2023. I was reassured that I could pay the XXXX payment that had been returned for NSF twice this month. When I tried to pay the XXXX payment I was unable to do so. I then sent 2 separate email messages to XXXX After sending the first email I then tried to call two separate numbers identified as Rocket Mortgage numbers. After calling the first number I was advised via their XXXX that no one could take my call and that I could not leave a message. No explanation was given. I then tried calling a number identified as being for the Account Resolution staff. I spent some time navigating the XXXX only to ultimately get the same message. 

I logged into their webpage again and found the following message posted : " Our call center is currently experiencing issues and we are unable to accept calls. All self-service experiences on web, mobile, or automated phone system are functioning as expected. '' Each time I've tried to make the payment online I receive the following message on their website : " We're unable to schedule, edit or delete your payments at this time. Please call ( XXXX ) XXXX to speak to a specialist. Our hours are Monday - Friday XXXX a.m. - XXXX XXXX  ET and Saturday XXXXXXXX XXXX - XXXXXXXX XXXX ET. '' I suspect you can guess the level of frustration I am experiencing. XXXX makes it virtually impossible to reach any member of their corporate offices rendering them utterly unreachable for all practical purposes.
Product: Vehicle loan or lease

My new car loan is with TD Auto Finance, Customer Resolution address is XXXX XXXX XXXX, XXXX XXXX MI XXXX. 
I paid off my loan with a check for {$13000.00} on XX/XX/XXXX. I sent the check as instructed from TD Auto 's recorded line. 
The money never went towards my account. I have copies of the posted check, front and back, showing it was posted to TD Bank. I talked with several different people, although there is really no Customer Service Department, there is just Collections. 
I faxed copies of the cancelled check and account information to a number ( XXXX ) XXXX that was reported to be the resolution department on XX/XX/XXXX. 
As of this date, XX/XX/XXXX, the money has not been posted to my account. I am getting letters indicating that my account is overdue and finance charges are accruing. 
I do not have the pink slip for my car which I want to sell.
Product: Mortgage

XXXX Tuesday XXXX XXXX I logged in to Shell Point Mortgage company website to make a payment on my mortgage loan. After logging in I was unable access my loan and make my monthly payment. I tried logging in again on Wednesday XXXX XXXX and was unsuccessful again, so I called the office and spoke with customer service representative and explain my concern about the problem. I was told I T had created a ticket for the problem. Tried to gain access to my mortgage loan on Wednesday XXXX XXXX and spoke with a customer service who also stated a ticket had been generated for the problem and was told their was nothing they could do until I T corrected the problem but had no time frame. I asked to speak with a higher level staff person and was told all the supervisors were busy and would I like hold. I stayed on the line for XXXX XXXX  and then they hung up. I need to be able to access my loan to determine if my funds had been distributed to the correct areas, because I've had problems with misplacement of funds in the past. I asked about other customers encountering this problem and nobody knew the answer.
Product: Debt collection

LVNV FUNDING continuously updates the 'date of last activity ' to XXXX . They also report 3 completely different 'date of last activity ' to all 3 credit bureaus. I have disputed directly with LVNV and all 3 credit bureaus. The only responses I have received is " This account is verified ''. How can an account with 3 different DOLA be verified? This proves that there has never been an investigation of this account. 


The reporting of the 'Date of last activity ' is reported as is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 SECTION 604 A : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Debt collection

Never received any notice of this debt. The debt is not mine, and i am a victim of Identity theft. I sent three communication to CAPITAL ONE AUTO FINANCE AND NEVER RECEIVED A RESPONSE. THIS IS NOT MY ACCOUNT AND I DONT KNOW WHO ACCOUNT IT BELONGS TOO
Product: Checking or savings account

Unknown unauthorized charges to my bank account have occurred without my knowledge and my bank wont even respond to my disputes, and pay pal was even less helpful. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX {$290.00} is what its on my bank statement.
Product: Mortgage

Loan Care refuses to release a payoff request from their borrower who is trying to refinance. They have been giving him the run around which has subsequently cost him delays which will result in monetary loss.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed address below is inaccurate and violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 6192 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.