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

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

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

First Citizens Bank is reporting an account in my credit that is past the age for reporting. Not only that but this debt was not due to any fault of mine. My bank card was stolen in 2008 which is when this occurred. I went to the bank to tell them. The manager told me to fill out a police report. I did so. I was then told not to worry about it because they would take care of it. Well that never happened.
Recently, I go to buy a home. This is on my credit. I write to them and they send me an affidavit to fill out. I do so and then ask them to get this off my file because it is too old to report and nothing.
I sent the affidavit certified signature receipt because I wanted to ensure they got it. I have allowed 2 months for them to respond, remove it or something. The account is still being listed even after filling out the affidavit. The police no longer have the report because their records do not go back that far. First Citizens have also been notified it is past the age to legally report this debt. Yet somehow, it is still listed. 
They are violating laws established for reporting on someone 's credit report. I want this removed today.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX Paid the lease payment 's on time every month for three years. Start having issues with starter fixed it. Next day after getting car from Shop. Head gasket blew. warranty was expired because mileage overage. Car was on hold @ the mechanic lost job during time of waiting on car repair and parts. Didn't have financing to retrieve the car.
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I made previous attempts to fix these issues directly with them and they are violating my rights. I'm entitled to {$1000.00} for every violation I listed, They either pay me or delete these accounts ASAP
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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian added an account that was used in identify theft I disputed this account because it was identify theft. They deleted the account and then added it back.
Product: Checking or savings account

I had someone steal my debit card information and ordered online and i filed a claim and was denied for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late for my XX/XX/XXXX monthly payment to the Credit Bureaus. My monthly payments are automatically taken out on a semi-monthly basis by a third party company now known as Earn Up. Our XX/XX/XXXX payment was withdrawn from our account on XX/XX/XXXX and XX/XX/XXXX.  However Earn Up had a problem and they were not able to forward our mortgage payment over to XXXX. Earn Up made no effort to contact me regarding the issues. I did not know that XXXX did not receive our XX/XX/XXXX payment until XX/XX/XXXX when we received a letter. 

I have made several calls to both Earn Up and XXXX to get this corrected. XXXX needs documentation from Earn Up stating it was an error on their end that our XX/XX/XXXX payment was not submitted until XX/XX/XXXX. I have called Earn Up on the following dates and each time they say they will be sending a letter to XXXX but they never have. 

XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up Earn Up never made an attempt to contact me to inform me that there was an issue with our XX/XX/XXXX payment. 

My issue is with Earn Up not XXXX It is not my fault that my XX/XX/XXXX payment was late and I'm paying the consequences for it.
Product: Credit reporting or other personal consumer reports

They reported late payment in a fully paid account and that a violation, the account is XXXX XXXX XXXXXXXX # XXXX
Product: Debt collection

Called company XX/XX/28 to provide all full amount of the XXXX dollar bill and one for XXXX dollars by XXXX and they stated they wil provide a detailed statement showing the medical services provided in a itemized bill. 
I only received one for XXXX which was not the amount they stated with itemized bil. I only recieved the amount owed and where to mail the check into.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX so other names not mind
Product: Vehicle loan or lease

Credit acceptance did not report correct information on my loan and also charged me very high interest rates also I want them to report the loan with in good standing paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

PO Box ADDRESS IS INCORRECT AND DOES NOT BELONG ON CREDIT REPORT
Product: Mortgage

My main issue and concern is that I am not getting any type of assistance or cooperation from Rushmore Servicing. Yes I am in arears. However, to be treated as if I am at fault and not given any consideration or any assistance to resolve the arears by simply providing the requested information. Is totally wrong, unethical and basically a serious moral and unreasonable character defect or personal issue. 
I am being denied the ability to log into my account, and I was simply told that it was because I am in default, behind on my payments. Is that coming from management? I must question, it simply doesn't sound reasonable or even financially sound. I am simply trying to figure out how to pay the arears, which wasn't out of my abilities the last time I checked and to get an idea what I needed to do with out having to borrow from family or friends. As I was working on home renovation for an ex girl friend, that once completed would've been able to get it caught up. Well I am complaining about they lack of cooperation and the wrongful denial to get the information requested. I also ask for a pay off total in case I have no other way which seems that that's what I am being forced to do. And yes I received the email saying its ready and all called but still not able to login or received it.
Product: Credit card

On XX/XX/XXXX, I completed a purchase using my American Express Credit Card. The purchase was through XXXX XXXX for a concert that would occur XX/XX/XXXX. When making the purchase in the amount of {$360.00}, I should have received an email confirmation of my purchase and online tickets to be used at the event. After contacting XXXX initially I was told that the confirmation would be provided 30 days prior to the event and that I would have to check back at that time if I did not receive my confirmation which made sense at the time of my call. As the event came closer I continued to check my email for confirmation of my purchase but never received the tickets or the confirmation. 
The only confirmation that I had was the charge that showed on my credit card dated XX/XX/XXXX. I also made payments on that credit card as agreed including principal and interest. Once it was within 30 days of my event, I then made follow up phone calls to XXXX and was told that the purchase was not made and that XXXX had not received a payment from me or American Express. They further instructed me that I would have to contact my credit card company because American Express had not processed my payment for the purchase. 
As the time of the concert came about, I then made a second purchase of tickets for the event as I had been told by XXXX that my purchase was not complete and that I would not have access to the event because I did not purchase tickets. I made that second purchase on XX/XX/XXXX for an additional {$360.00} and the sale went through as agreed. 
I then contacted American Express and filed a claim as instructed by XXXX that the payment was not processed as agreed. American Express then provided documentation, claim reference # XXXX that the payment had been made. I again called XXXX and this time I talked with a lady who identified herself as a supervisor named XXXX, employee id # XXXX, and she again said that my purchase had not been processed and that I would have to contact American Express. 
After several additional attempts with both parties, I find myself in the blame game between XXXX companies who do not want to acknowledge fault. XXXX contends that they did not receive payment for the tickets and will not reimburse me for the tickets that I should have received. American Express contends that they made payment and do not have a liability whether I received my goods or not. My only goal at this point is to receive a refund of {$360.00} for the merchandise that I purchased but did not receive and I hope that the CFPB can assist me.
Product: Student loan

My XXXX is the primary loan borrower and I am the co-signer. I and my XXXX in XXXX had tried to work with Navient/Sallie Mae to repay this loan, however, they are not willing to work with her in a reasonable payment plan for her budget. I did make interest only payments when she could not pay in previous years but I became permanently XXXX in XXXX and on Social security so I can not afford to pay any payments. I will never be able to work again and will be on XXXX for the rest of my life. I asked to be released from the loan due to my XXXX. They told me, the co-signer, that I can not be taken off the loan for permanently being XXXX but if the primary borrower became XXXX they would take her off. Then in XXXX - I, the co-signer, received a letter from Navient stating that if I paid {$10000.00} dollars they would take me off the loans. I am lucky if I have {$100.00} dollars in savings so where would I get {$10000.00}. 

I have always paid my bills and had excellent credit - now my credit is ruined and I am getting collections agencies hassling me for full payment or a judgement will be brought against me. 

Is there anything that can be done to help me & my XXXX? PLEASE HELP
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. 

XXXX XXXX XXXX Date XXXX Balance {$260.00} RENTDEBT XXXX XXXX  Date XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX
Product: Debt collection

This is the 3rd complaint I had file againt PORTFOLIO RECOVERY # XXXX I never recieved any information from this company or notifaction concerning this account. I have never heard of this company and never done any business for service, contracts or products.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX account with Equifax credit bureau from my credit report ; the results from the investigation is inaccurate and should be removed from my credit report by XXXX XXXX. I called XXXX and they sent me via email my payment history. The payment history/letter clearly states this debt is good Through XX/XX/2020 ( 7 years ).  However, Equifax doesnt have the same information from the investigation that was provided to me as updated and again inaccurate. I forwarded the payment history from XXXX to Equifax today with hopes that debt will be deleted due to the statement from XXXX debt good through XX/XX/2020 and the 7 year statute of law. XXXX  has already removed the debt from my credit report as of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT RTEPORTS. ATTACHMENTS OF FTC REPORT AND OTHER DOCS. SHOWING THE FRAUD.
Product: Credit reporting or other personal consumer reports

RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear NELNET Customer Service, I am writing to formally lodge a complaint against NELNET for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( XXXX ). I have discovered that NELNET has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as NELNET has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, NELNET has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against NELNET for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from NELNET acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

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

XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXXe , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Product: Student loan

I am doing a XXXX XXXX XXXX in XXXX at an officially recognized university ( XXXX XXXX XXXX XXXX ). I have been trying to submit my in-school deferment application to Navient for over a month now. I have submitted it 3 times, but there is no acknowledgement of this. I keep getting emails saying there's a new document to view, and when I log in, it's just documents saying they have forwarded correspondence from my old address to my new address. I have never gotten a letter from them at the new address. They don't show any confirmation of my deferment status. They denied the first attempt because I was lacking attendance dates, which I since added and resubmitted. Since then, nothing. It says on their website that official documentation can replace a school official filling out their part of the application. Also, the university confirmation states that it is a valid document without a signature. Also, during covid times, it is hard to find anyone still working in their office to sign anything. Meanwhile, my account is now 2 payments past due.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report these are hurting my abiliting my ability to obtain credit
Product: Debt collection

I called the company and told them I did not know what the debt was for. They said it was for XXXX. I called XXXX and they said it was that I never returned a Router or modem and that I owed them money, the money owed was over {$50.00} and I paid them by credit card. ( I did not have their item i'm being charged for and it was taken by one of their technicians after working at my house. I told them again this debt was disputed and they had forgiven the debt already. This whole situation is suspicious because the debt was supposedly incurred over 4 years ago. ) However, I found out the debt was put into collection recently and took care of it with the company. 
I told the collection agency and they have not removed this after it has been on my credit since XXXX. There is no notification that this debt was paid on my credit report either. They reported this to all my credit falsely with a false number.
Product: Credit card or prepaid card

Since XX/XX/2017, I have attempted to dispute fraudulent charges on my credit card with US Bank. In violation of FCBA, they did not conduct a thorough investigation nor provided proof of the investigation or results thereof. Since then, the credit card company has routinely reported the negative information to the credit bureaus, even during subsequent investigation requests, in violation of FDCRA. 

Referencing CFPB complaint XXXX, the credit card company has still to this date refused to provide any documentation of the alleged investigation conducted as a result of the fraudulent charges. 

In addition, the credit card company has since blocked my account access as well as access to all statements of the credit card as a method pf preventing me of conducting my own investigation. I provided documents charges took place in various other states in which I did not visit nor reside, yet this documentation was clearly ignored.
Product: Mortgage

Please see attached exhibits A also I called XXXX today at XXXXXXXX XXXX and spoke with XXXX to let them know that Im mailing in a mortgage payment. She stated to me that they have not came to a resolution and if I can be on a payment plan for 6 months and pay {$1500.00} dollars in mortgage payments for those 6 months which was ridiculous to me because Im not even 60 days late and my problem isnt making the payments my problem is the fraudulent activities that took place with this mortgage loan. Therefore they are still trying to get me to refinance or put me on a payment plan and I even been getting emails to refinance FHA mortgage loan, they are truly trying to cover up by misrepresenting false address to FHA connection to obtain insurance property claim and using incorrect mortgage note by changing the parcel ID number and using the mortgage note, FRAUD for Profit, on a loan modification agreement dated XX/XX/2014 which I had no knowledge about the loan modification agreement dated XX/XX/2014 on the back page of the Mortgage document.
Product: Mortgage

My mortgage has been sold/assigned several times, and each time, the acquiring company seems to lose some of my information, or tries to change the rules. 

Most recently, it was acquired by " Arc Home ''. Arc Home started sending me messages in XXXX that my flood insurance was out of date. I submitted my updated flood insurance before it was due, and figured all was well. They sent me more letters - so I resubmitted it. I attempted to call them, but it was impossible to get them on the phone, so I used their secure messaging option on their website. It was never responded to. 

Right about XX/XX/XXXX, after multiple attempts, I was finally able to get someone on the phone. I showed her that I had insurance, and that the mistake was theirs. She agreed, but noted that the insurance wasn't as sufficient amount. However, none of the documentation specified an amount required - and this was odd because I'd never had this problem in prior years, leading me to assume they were changing my loan terms when they acquired my loan. I asked to see my loan docs they were operating from - and she said she'd send them ( she never did ). 

I then asked to speak to a supervisor. Meanwhile, I had my insurance agent representative contact the company thought the insurance company only channels, which apparently are better attended than the consumer lines. 3 days later - XX/XX/XXXX, I got a call from " XXXX '' indicating that this was in fact an error on their part, and that I did have sufficient insurance. She left this information on my voicemail - I still have the voicemail. She recommended I call a particular phone number, which I have not been able to get a human to answer - and none of the menu options provide the sort of resolution I need. Similarly, right after I spoke to the first representative, they took {$5000.00} out of my escrow account and bought more flood insurance on my behalf at a usurous rate. They did this knowing full well it was unnecessary. 

It's now been two more weeks, they've admitted wrongdoing, admitted my account is and was in good standing, yet do not answer the phone, and have stolen my money. Obviously they're not paying interest on the stolen money either ... ..