23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Every year when it comes time for the Income Driven Renewal the federal loans are are renewed correctly. When the FFELP loans are in need of renewal which is at a later date than the federal loans Navient claims new forms need to filed. The link in the Online Account communication for renewal of the Income Driven Repayment for FFELP loans provided by Navient in the online account sends the person to the Federal Student Aid website which already has the information in their data base for the filing of the federal loans which renewed a few months before. Navient claims that this information can not be used and new forms need to filed for FFELP which leaves the consumer in confusion. The link Navient provides in the account directs the consumer to the Student Aid site but Navient claims the information submitted isn't valid and that a new form must be completed. I do not see how Navient is following federal guidelines if they are deciding what information and forms can and can not be submitted when federal guidelines provide them with direction for renewal. I submitted the information to the Federal Student Aid website in XX/XX/XXXX for the XXXX year. The FFELP loan needs the information submitted by XX/XX/XXXX for the 2021 year. Navient refuses to use the information submitted although the Federal Student Aid website states the information submitted is good for one year and needs to renewed at the next renewal date. I called and spoke with a service agent on XX/XX/XXXX XXXX XXXX in which I was told new forms had to filed for the FFELP program which the Federal Student Aid website does not state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than XXXXpts.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ( ACCOUNT LAST XXXX DIGITS : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

My dispute against XXXX XXXX was not taken seriously.
Product: Payday loan, title loan, or personal loan

Company has been repetitively calling 3 and 3 times a day almost every day. They have called 22 times in the month of XX/XX/2020 it's starting to become unbearable and it feels like harassment.
Product: Debt collection

XXXX charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. 
I am not a small lady, nearly XXXX ft, but I am no match for the XXXX   they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. 
Anyway the " XXXX '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.
Product: Debt collection

XXXX XXXX XXXX {$1000.00} This is an old debt that was unpaid due to company not accepting payments. Sent product prior to any payment made. I understood it was a payment plan. They wouldn't accept a return. 
Above company continues to attempt collection and it remains on credit report. 
No info on original date it occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized reporting of my consumer report
Product: Debt collection

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Checking or savings account

I deposited a check from my employer on XXXX to Bank Of America at a local branch. I have deposited checks like this many times before, and at least once on this new account. When I deposited the check the employee at the window said my funds would be available on XXXX. 
I learned that night that a hold had been place on the check. As I was in a serious financial crisis I made plans to go back. Per the e-mail from BOA and the information on from the app on my phone, I was to receive a notice with the reason and information as to when the funds would be available. 
I went back to the branch on XXXX and spoke to a floor representative/person. She informed me that her research found the reason for the hold to be confidential. So no reason for the hold there. I called customer service from the branch 's phone. After the first 12 minute wait I got a person in Texas only to lose her after 2 minutes. A second call was made with an 11 minute hold and was dropped again. The third attempt resulted in a person from New Mexico ( if I recall correctly ). She said the bank put the hold on the funds to verify the source of the funds and payment. She then said the bank would honor the deposit on XXXX. 
I thought this reason was incomplete. The employer 's check was a government agency and I had made a deposit from this employer many times before. After further research she said the deposit would not be honored until XXXX. I asked to speak to a supervisor. 
The supervisor said that holds were done on a case by case basis. But she did not supply a reason for my " case '' being chosen. She said the wold was by ACH and the federal government. I pointed out that ACH is not a gov't agency. Again I said this is not a reason for my " case '' being chosen and wanted that information. I pointed out I had been XXXX different dates for the deposit to be honored by BOA employees. I also pointed out that their own response to me was that a reason would be given. But no reason as to why my case was chosen was provided. At least not one I though was reasonable or logical. Does case by case basis mean random to BOA? 
My preliminary research indicates that at least {$200.00} of the funds were supposed to be made available but so far that has not been done. I received no information that it would occur. 
This isn't just inconvenient, it is life threatening. I need to get my insulin and other meds. Can someone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has mixed my credit with my X wife. She divorced me in XXXX. I keep getting bad accounts listed as my accounts. I never lived on XXXX XXXX XXXX or on XXXX XXXX. These are not me. 

Also I am ONLY XXXX XXXX XXXX, or XXXX XXXX Experian keeps putting other names as me.
Product: Student loan

I submitted a complaint about my loan servicer to CFPB. They responded to the complaint today with false information. They removed me from the PAYE plan, which I have been on since 2017. In their response to my CFPB complaint they stated that I am on administrative forbearance due to the SAVE legislation. That is not true. Just today I got an email from them notifying me that I will be removed from forbearance in 44 days and be forced to make payments again. This is because I am incorrectly on a Standard plan due to their error.
Product: Debt collection

Convergent Outsourcing Inc, is attempting to collect a debt from me for paypal credit. Thing is I have never had a paypal credit card. Also they are using my old address from about 12 years ago. It has now been forwarded to me and they are now using my correct address but still with the apartment number I used to live in. 

Funny since as stated never had a paypal credit account, and the address is so old. Funny since it is not on any credit report. I knew this was suspicious from day one. It has been going on for about 3 years now on and off.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act. XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are listed on my consumer reports are false and inaccurate credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Debt collection

Over the past few months, my husband and I have received phone calls that I owe money to Financial Recovery Services , Inc. for XXXX XXXX XXXX in Texas under my maiden name. We have told them that I have never lived in Texas, so this debt can not be mine. They still proceeded to send mail stating that I owe {$720.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXXXXXX XXXX for {$21000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX. My contract with Ally BankXXXX XXXX XXXX XXXX matures in XXXX installments. Each monthly installment is {$330.00}. Included in the amount financed was {$1500.00} as payment for a XXXX XXXX XXXX XXXX contract. The service contract covered XXXX years so it will expire on XX/XX/XXXX. Since the service contract expires in XXXX days, am I required to continue paying approximately {$27.00} a month for service I am no longer getting? The car will be paid off in approximately XXXX  months. 

After calling Ally Bank on XX/XX/XXXX with my question and being told by Ally to call XXXX XXXX XXXX, I called XXXX XXXX XXXX that same day and was told by its financial officer that I would have to continue paying the monthly fee until the contract with Ally matures. Is this correct? 

I am questioning the answer I got from XXXX. However, if what I was told is correct, I told XXXX I should have been informed I would continue to pay for a contract which would expire before the car was paid off. He proceeded to attempt to sell me another XXXX XXXX contract.
Product: Credit card or prepaid card

I made a restaurant charge at a restaurant called XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. 

The charge was billed to me in dollars after I requested the charge to be in pesos - the local currency. The exchange rate  the restaurant charged was {$200.00} over the going exchange rate. When I asked multiple times for the correction, it was refused. I consider the exchange rate scheme to be FRAUD by the restaurant. 

I disputed the charge 5 times or more with CitiBank [ the issuer of the credit card ] and they refused to make an adjustment because they said that the charge was correct. I explained that the charge was not correct because they used a fraudulent exchange scheme. Citi refused to be helpful. I tried to reason with them and said that I would file a complaint with the CFPB and they offered me a {$100.00} settlement. I said that I would not accept the settlement because of the fact that the restaurant would get away with the fraud and that I was disappointed that the bank would not support its customer after I made the argument.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Account was fraudulently Used and exploited In my name with information from DISCOVER BANK account number XXXX I sent there investigation team multiple reports inorder to correct the reporting of this account because I was held responsible for the account I had to pay the balance of XXXX so that the account would not completely ruin my credit. I also filed a police report and sent it to the creditor .the fraudulent account now reports as paid but the account is still reporting incorrectly and should be removed I am still suffering from the covid 19 pandemic and an trying to obtain a mortgage this account reporting on my credit is stopping that from happening
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX  Balance : {$280000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I went to XXXX. I requested my credit report from Equifax. After I entered all the relevant information, including answering detailed multiple choice questions ( which required XXXX minutes of research ), the system told me that Equifax was unable to give me my report online. I would have to send them a paper form in addition to copies of government documents by mail in order to get my credit report. I do n't believe this is the level of commitment to transparency that Equifax has signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time payment account XXXX shows high credit of XXXX on XXXX  and XXXX on equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax  and payment history as ok on XX/XX/XXXX yet XXXX  shows 150 days late, delete this account for inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX  and XXXXon equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax,XXXX shows ok on equifax and XXXX XXXX the next month!!! Delete because inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX and XXXX on equifax, date last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax, XX/XX/XXXX shows ok and 120 days late the next month!!! Delete because inaccurate!!!!!
Product: Credit reporting or other personal consumer reports

Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on XXXX and XXXX
Product: Debt collection

XXXX has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTED AS CHARGE OFF UNPAID. 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX Transunion and XXXX 3 times in regards to incorrect information within the three BUREAUS across the board. The accounts are with. XXXX XXXX XXXX XXXX XXXX and XXXX. I ask the accounts be removed due to incorrect information as I have the right to a honest and correct credit report. Instead the accounts are updated with more inaccurate information each month across the board and its impacting my score tremendously. Ill like these accounts removed! Attached are the inaccurate information for each account. 

Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles mishandling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.

Dispute using Zelle numerous times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

This bank ( Select Portfolio Services , Inc. ) says on its website that it offers assistance programs for distressed borrowers. We have applied twice in 2 years since our income is down 40 % from the time we began the loan. After spending 2 months providing detailed and copious amounts of financial documentation, the bank says that our type of loan does not qualify for any home retention loan modification based on what is written in the service agreement. So it really doesn't matter how much distress we are in or that we are in distress at all. The decision was not based on ANY of our financial data that we most dutifully submitted in a timely manner. The decision was based on a boilerplate clause deep within the service agreement. That should be illegal. 
The other issue, is that we are not allowed to contact the lender directly as SPS XXXX Inc. is only a servicer with little or no authority. Our loan was at some point chopped up and blended in with other loans to be sold in a tranche as part of a CDO security. This basically means there is no company lender to talk to. What is left over is a pool of investors in the security that is overseen by some banker or attorney that works for the bank that can't really make any decisions on one particular loan in the portfolio. There needs to be much more transparency and consumer protection for the borrower regarding these CDO placements. We feel we were set up from the beginning to be offered no help no matter what our circumstances.
Product: Vehicle loan or lease

Due to the Fair Credit Report Act FCRA 15 U.S.C 1681*** law this company keeps inaccurate reporting to the XXXX credit bureau about my account being late.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : 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 Date of Charge-Off : XX/XX/year>. 
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this