23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have enrolled in Navient 's rate reduction program. Being that this is my 3rd year on the program, I know how it works. I have confirmation of my enrollment in the program. In checking my account, I have found several times that my loans are past due. This should not be the case as the rate reduction program calls for automatic withdrawals. In calling Navient to express my concern, I was told that one of the loans was left out of the lineup when I enrolled in the program. However, that is a company issue, not mine. Navient gives no notice that something is awry with a person 's account, and holds the customer responsible for THEIR mistakes. A loan is something that can affect credit, if my loans are past due, without MY knowledge, that can certainly affect my credit. As the customer, I should not have to call and check behind a company. If you value your customer 's, you will make sure they are satisfied. I have done my part in enrolling myself back in the program, and Navient makes excuses about not doing their part. I should not, and will not, be made to pay late fees on loans that I confirmed were in enrolled in the rate reduction program.
Product: Money transfer, virtual currency, or money service

My employer XXXX promoted me and I got in an increase in my checks by a decent amount on XX/XX/XXXX I got a paper check for the amount of XXXX in the mail for my first salary check I took it to the bank to deposit it and instantly got a hold on it. The teller said I would have available funds in XXXX hours at least some of it and that didnt happen, I waited till Monday of the following week to see if my funds where available and it still had a hold on my check so I called and got transferred to the Chase Fraud department for my check being suspicious they said they needed to contact my employer to validate my check on XX/XX/XXXX. One thing that didnt make any sense is that I deposited my first check with them through paper and it still got flagged after telling them I got promoted so they tried to call a number they had and didnt work so I provided them XXXX numbers and they told me every last number I gave them was not a verified phone number and refused to call them so i called them everyday for the next XXXX day and they never were able to contact my employer so they closed my bank account on XX/XX/XXXX and havent given me any of my money since.
Product: Vehicle loan or lease

I leased a vehicle through JP Morgan chase Bank NA in Illinois state. 
Use tax is included into monthly payments ( 7 % ). 
I moved to WA state where the use tax is 10 %. 
Chase bank, instead of calculating the tax difference ( 3 % ), just applied additional 10 % on top of monthly payment. As a result I am paying 18 % of use tax instead of 10 %. 
The bank denies the error in calculations and refuses to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 3 new inquires on my credit report on XX/XX/21, none of which I recognize or applied for. These include Capital  one, XXXX and XXXX. I called XXXX  XXXX  XXXX  and altered them about these fraudulent claims and placed a fraud alert on my account. I will also be contacting the companies individually.
Product: Debt collection

Company sends conflicting information on a debt they will not be able to collect. This debt will fall off of my credit repot next year and you still won't collect a dime! Credit in great standing and will not be affected by them continuously trying to collect a debt that I do not owe. They just sent a letter saying the balance was {$0.00} and the account is closed but responded on here saying that I have a debt with XXXX XXXXXXXX but have no proof that was me and no signature from me that I had this card. I have a 100 % payment history on all my accounts which can be seen on my credit history.
Product: Credit reporting or other personal consumer reports

Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 at XXXX I made a cash deposit of {$4300.00} into a Chase ATM. The machine then later displays a message on their screen saying To be sure your deposit went through please call us at XXXX. Well print this number on your receipt. I called that number and was told that their claims department was closed to call back in the morning which I did. Chase filed the claim and then a few days later comes back and says they couldnt locate the funds. A week later I contacted their XXXX office and spoke with a Person named XXXX XXXXXXXX XXXX XXXX and she later said they only found {$2700.00} and they credit my account for it. In addition chase will be closing my account. As of today, XX/XX/2023 chase is saying to me that they never found the funds so therefore they can not issue a credit. They have been going back and forth changing their stories and I just need my money back. They decided to close down my account after I filed the claim with all proof. They have videos and cameras at the atm and sensors they know I deposited my money.
Product: Debt collection

My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You
Product: Debt collection

I keep getting a call from a company saying Harrison & Harris Ltd attempting to collect a debt. There phone number is similar to Harris & Harris Ltd so I called them directly and they advised it is a scam. The phone number that keeps calling is XXXX.
Product: Student loan

On XX/XX/year> Nelnet received notification from the Dept of Education to discharge my loans. As of todays date, XX/XX/year>, Nelnet has not discharged my loans and has not issued any refunds due me.
Product: Debt collection

I was sued by LVNV for a debt that I do not owe. On XX/XX/2021, the case was dismissed. However, LVNV is still reporting negatively on my credit reports.
Product: Debt collection

I am writing to dispute the reporting of the Atlantic Capital bank account listed on my credit report. While the account is reported as paid in full I believe its continued to presence on my report is inaccurate, incomplete, or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ), all items on my credit report must be accurate, complete, and verifiable. To verify this account, I request : 1. a copy of the original signed agreement or contract between myself and Atlantic Capital Bank 2. complete account history detailing all charges, payments, and the balance 3.proof that this account must remain on my credit report, even though it has been paid.

4. request of DEBT validation Letter /verification 5. notice of Charge-off or Cancellation 6.proof of compliance with federal laws 7.detailed accounts/history statements if Atlantic Capital bank can not provide the requested information, this account must be removed from my credit report immediately.

this account is not providing a positive impact on my credit profile and is no longer relevant since it has been paid in full.

please investigate this matter and provide me with the results of your investigation within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
TransUnion I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit reporting agencies are showing closed and paid accounts longer than 7 years on my credit reports. 
1. XXXX XXXX. Closed on XX/XX/XXXX 2. XXXX Closed on XX/XX/XXXX 3. XXXX, Closed on XX/XX/XXXX 4. XXXX XXXX XXXX closed XX/XX/XXXX 5. XXXX XXXX  Closed on XX/XX/XXXX 6.XXXX, Closed XX/XX/XXXX Also they are reporting my address as incorrect with associated to a business of contracting. Need to remove the business note. 
My address should reflect as XXXX XXXX XXXX XXXX XXXX WA XXXX. 

Employment is showing incorrect as I work for XXXX XXXX XXXX- XXXX and XXXX only. 
Phone numbers are incorrect. Should only be XXXX.
Product: Credit reporting or other personal consumer reports

This is my follow-up regarding the unauthorized credit inquiries that still appear on my personal credit report. Despite my previous efforts to contact the companies involved and request the removal of these inquiries from my credit profile, they remain unresolved. I had also asked you to initiate an investigation into the inquiries listed below to determine who authorized them. As your investigation confirmed my allegations, I request that these inquiries be removed immediately : EXPERIAN 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as Equifax, XXXX, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has had a temporary frozen dispute since XX/XX/2018 can not get them to correct problem contacted them # 6 times so I can not dispute balances on credit card balances which are usually # 2 month behind So this is keeping my credit scores down
Product: Debt collection

Did not receive any notification that this would be put on my credit. No phone calls, no emails, nothing. I reached out after seeing it was on my credit and was made aware at that time.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX XXXX  Employer - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've submitted several disputes and exhausted all my options. The companies continue to come back as verified. They pretend to investigate but comes back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX Balance {$5000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXX Balance {$1700.00} Opened XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX Balance {$0.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1200.00} Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX. I have read that under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies, YOU, are required to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed accounts and information off my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

all have a credit lock on my account so I don't know how did all of this inquiries or on my report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called on XX/XX/XXXX, prior to my loan payment and discussed that I have been affected by a recent COVID outbreak in our area which has reduced my income. They agreed to reduce my payments to XXXX for 4 payments. On XX/XX/XXXX, my acct was debited for XXXX. I then called again and spoke with the company on XX/XX/XXXX and was then told they did not know why the agreement was cancelled by the original person I spoke with. They agreed to an arrangement of XXXX for four consecutive payments and informed that they would not try to re-process the previous payment. On XX/XX/XXXX, they presented a withdrawal from my my bank for XXXX and XXXX. Which created an over draft on my account costing me an additional XXXX in fees. I have again reached out to them and my call gets placed on hold for greater than 35 minutes and then the call is disconnected. This is the worst experience I have ever had. I have never been late on a payment to them. I called ahead of my payment being due both times and was assured over the phone that they would start the financial hardship payments, which the blatantly lied after a verbal agreement was reached. I want they " recorded '' conversations to be reviewed.
Product: Vehicle loan or lease

I am victim of identity theft, and its being pulled in my hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit.

I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.