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

I am having a serious problem with American Express every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent  Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. Amex is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with Amex debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by American Express to purposefully assassinate character through negative reporting to the credit bureaus.
Product: Student loan

I was an XXXX volunteer from XX/XX/XXXX - XX/XX/XXXX. I held my loans in forbearance during this time. There is a special arrangement with XXXX volunteers who seek to apply for the PSLF program where after the XXXX service contract ends, a retroactive calculation can be made for what the monthly payments would have been over the XXXX service period, once the loans were out of grace period ( XXXX XXXX - XXXX. XXXX ). Based on this calculation, the XXXX volunteer can make those payments retroactively, using their Segal Education Award, and have those payments count as qualifying payments toward their PSLF ( even though it was in forbearance originally ). I went through this process and was told that my qualifying monthly payments would be $ XXXXmonth over the XXXX service and submitted an employment verification form at that time ( late XXXX ). There was an issue with the EIN. I moved abroad over this period and was unable to resolve the issue myself. I had my mother ( who had financial power of attorney at the time ) contact Fedloan about this issue. They would not recognize the notarized POA document provided and the issue went unresolved ( they did not approve the form since it was incomplete and therefore the PSLF payments were not accepted ). Once I returned from abroad ( XX/XX/XXXX ), I brought back the issue, and tried submitting the EIN to get the payments approved. I was told that it could not be approved because the 90 period had passed for the employment verification form and that it was a void document. They recommended I resubmit a new employment verification form. When I did so, they said that the employment qualified, but the payments did not. COntrary to the information I was provided in XXXX, they told me that they had to recalculate the payments based on a standard repayment plan and not the income driven repayment plan originally used to calculate my monthly payments. As such, they provided me with a recalculated repayment total over the span of XXXX XXXX - XXXX. XXXX ( totalling {$2200.00} ). I then made this payment using my Segal award, on the information that this would result in the approval of my qualifying payments over that period of time. I received my updated qualifying payments toward the PSLF after this time, but the payment was not recognized. I submitted a review of the qualifying payments on XX/XX/XXXX and have yet to hear back regarding this issue. To date, I have been trying to resolve this issue for three and a half years, my legal POA was denied access and ability to manage my financial affairs, information regarding my qualifying PSLF payments has changed, I was coerced into paying {$2200.00} out of my Segal award with not results ( in contradiction to previous information provided from Fedloan ), have spent countless hours on the phone trying to resolve this issue, and have no information on a timeline of when the present review will be determined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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  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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Nelnet is my federal student loan servicer, and they have been nothing but issues from the start. I was transferred from Great Lakes to Nelnet for my federal student loans. In XXXX of 2023, I signed up to be placed on the SAVE plan during their beta period. Nelnet then chose for me what my plan would be based on " the lowest payment per month. '' I wanted to be put on the SAVE plan and they DID NOT place me on the SAVE plan but instead placed me on the PAYE plan and it doubled what my monthly payments would be. I simply can not afford this and can not get someone on the phone line in order to correct this. Now I have a past due payment that I can not afford and another payment upcoming in one week that I also can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried for months to get this resolved with Kia finance. I have leased 3 vehicles with them over nine years. I have recently discovered that they reported multiple late payments to my credit report that are not true. I have contacted them numerous times by phone and mail but no one calls me back. I have the evidence that shows I was not late with my payments in XXXX and XXXX of XXXX that I downloaded off of their own website. They reported me 30 and 60 days late. Then in XX/XX/XXXX the last month of my third lease they turned off my auto pay and never notified me, so XXXX was late. They said that was there policy now. I filed disputes with all 3 credit bureaus but they really aren't helping with my problem. I have been a loyal customer with Kia and do not understand why no one will call me back on this matter. I have requested to speak to supervisors but nothing gets done. I just get letters stating the disputed information reported is correct. I have had credit for over 33 years and do not have any late payments from any other business. These late payments from Kia have significantly hurt my credit score. I have taken great pride in my credit score and just want to be treated fairly. I have attached supporting documents that will support my statements. 
I would appreciate it if someone could contact me about this issue. Home XXXX Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ;
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported by your agency on my consumer reports. Accounts ( XXXX XXXX ) ( XXXX bank XXXX XXXX ) ( XXXX bank XXXX ) .It has come to my attention that you have violated my consumer rights as outlined by the Fair Credit Reporting Act ( FCRA ), specifically under XXXX USC 1681a.

According to 15 USC 1681a ( 2 ) ( a ), consumer reports shall not contain information solely pertaining to transactions or experiences between the consumer and the entity making the report. However, the information being reported by your agency does not accurately accurately report an instead is violating my consumer rights by reporting my transactions or experiences which 15 usc 1681a ( 2 ) ( a ) says is not a part of consumer report.

Furthermore, under 15 USC 1666b, creditors are prohibited from treating a payment on a credit card account as late for any purpose.It has come to my attention that late payments have been inaccurately reported on my accounts, which is a direct violation of this provision.

Additionally, I have not provided any consent or signed any disclosure forms allowing the sharing of my information as required by 15 USC 6802. Nor have I given any permissible purpose for the sharing of my information as stated by 15 USC 1681b. 

Therefore, I am formally requesting that all late payments be immediately removed from my account. I expect prompt action to rectify this matter and ensure that my consumer rights are upheld in accordance with the FCRA. 

Please provide written confirmation once the inaccurate information has been corrected and removed from my consumer reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Make a purchase of XXXX a little bit over 2 years ago. Back in XXXX or XXXX of XXXX. Was inform by the seller that we can finance and if we can not paid it off in too years there's going to be charge interest fee. I look at the bill and realized that in XXXX or possibly XXXX of XXXX i 2as hit with XXXX in interest. We did make payment and was making payment through the pandemic. I did not know they were going to charge interest on the 2 years all at once if we can not paid off after 2 years and at such high interest rate. The company refuse to lower the rate or provide any extension to pay the balance even with the hardship due to the pandemic. If I know I was going to be charge that way I would have never go for that option because regardless of the time I would think of worse case scenario like what if I can not make the payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted Equifax notifying them that my account says that I need to contact them and provide the code " XXXX  ''. I contact Equifax and an agent gave me XXXX different lies and told me that he does not know why it says that and then proceeds to say its because of my information in which he verified with me while on call that my information is accurate. The agent says he is sending me to his technical team. The agent told me he does not know why my account tells me to contact Equifax and he is unable to remove the error from my profile. I do not like to be lied to and would like to address this issue the correct way. I asked the agent what is the exact problem and what information does he need from me, and he states that there is nothing he needs from me. Something is not right.
Product: Credit reporting or other personal consumer reports

Ive tried to contact XXXX XXXX the original claims support manager about my account, she isnt answering or responding to any voicemails I leave. I had an account reported to collections as a bad debt due to Kia not providing myself of the collection agency with the information we needed to understand how I still had a balance after my car was totaled loss and paid off by my insurance/ gap company. I originally was not avoiding my debt but was trying to understand where the balance came from and in between all of that we have never received any information requested from Kia, meanwhile Kia reported to my credit as a bad debt and that was never the case they failed to provided me any information so I can pay this loan on. I settled this debt with Kias collection agency on a settlement amount and Kia still has on my credit report as if I owe them. Which I dont. 
I can be contacted at XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I saw a hard inquiry from Prosper that I didn't authorize. 

XX/XX/year>, I see a derogatory from a company called " XXXX XXXX XXXX '' I have no idea who or what this company is but I reached out immediately. It says that it opened on XX/XX/year> when I looked at my credit report. They company never reached back out after attempting to messaging them on their website.
Product: Mortgage

This is a new application for RMA assistance.

The homeowner is underwater, has a high LTV.

The homeowner will be accepting adding the late payments to the rear of the mortgage ( principle forbearance ).

The homeowner is qualified under the DOP Department of Justice guidelines : 1 ) Gross underwater value 2 ) The NPV Result shows a workout solution, see attachment. 

The homeowner has a positive change in her circumstances. Today an NPV Report was generated via the Department of Treasury that show that the loan is affordable via a loan modification under the Department of Justice/ 49 States attorney Generals National mortgage settlement Agreement and guidelines. The NPV Report shows a possible workout solution under the above guidelines. The homeowner is requesting an expedited review and appeal for reconsiderations under a streamlined processing. Please see article extract of the NPV Result. NPV Date XX/XX/XXXX Unpaid Principal Balance of the Proposed Modification {$440000.00} Principal Forbearance Amount of the Proposed Modification {$850000.00} Interest Rate of the Proposed Modification 2.0000 % Principal and Interest Payment of the Proposed Modification {$1300.00} Amortization Term of the Proposed Modification 480 months Information That You Provided Which best describes you? Other Servicer & Investor Information Your Investor Other Your Mortgage Servicer Other Discount Rate Risk Premium XXXX Homeowner & Property Information Data Collection Date XX/XX/XXXX Do you currently reside in the property under evaluation? Yes Borrower Credit Score XXXX Co-Borrower Credit Score Monthly Gross Income {$8300.00} Property State CA Property Zip Code XXXX Property Value {$820000.00} Property Valuation Type Estimated/AVM Mortgage Information Original Loan Amount {>= $1,000,000} First Payment Date XX/XX/XXXX Do you have a fixed rate mortgage? Yes Unpaid Principal Balance of Your Mortgage {>= $1,000,000} Total First Mortgage Debt {>= $1,000,000} Interest Rate of Your Mortgage 3.125 % Remaining Term ( Months Remaining ) on Your Mortgage XXXX Mortgage Insurance Coverage Percent 100 % Modification Fees Paid by Investor {$0.00} Monthly Payment Information Principal and Interest {$3400.00} Real Estate Taxes {$1000.00} Hazard and Flood Insurance {$220.00} Homeowner Association Fees and Escrow Shortage {$0.00} Months Past Due 13 Imminent Default Yes Important information regarding NPV Evaluation results obtained from this site. Homeowner requests a copy of previous NPV Report of Banks Servicer basis of denial report previously to deny the homeowner a " change of circumstances '' denial. The DOJ guidelines allow for a change of circumstances, to really for a loan modification after 1 year of payments into the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$20.00}, XXXX XXXX XXXX XXXX  Balance : {$80.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Credit limit {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$15000.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Product: Mortgage

According to the CFPB, my mortgage company Amerihome is required to notify me of a change in my mortgage servicer. I'm currently in a forbearance. I've started being contacted by XXXX via phone and knocks at my door, who claims that they are now my servicer, but I have not recieved any notification from Amerihome of this. When I call Amerihome to discuss this, it routed me automatically to XXXX. Apparently I can't every talk to anyone at Amerihome to confirm this. I just have to take XXXX word on this. XXXX searching makes me think XXXX is prone to being scammy. What options do I have here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with Experian at least three other times with no response