23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

CapitalOne 's current policy is to consider a payment late and to charge a late fee if a payment is not received by XXXX eastern standard time. Several times I have gone to make a payment a few minutes after XXXX local time ( Pacific standard time ) only to see that a late fee has already been applied to my account and the Capital one will not post my payment until the following day. Even though I am making my payment on my due date I still occur a late fee. By not accepting payments after XXXX local time it creates a hardship for those of use who have to make a payment after work or need to run to the ban before making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian, XXXX and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to Experian and XXXX XXXX. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with Credit karma and provided the payment history and they provided the payment history to XXXX along with that I sent the information via XXXX Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to Experian, XXXX or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to Experian, XXXX and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.
Product: Mortgage

I have been contacting them for over 1 year and trying to dissolve this. Our original contract said our last payment was XX/XX/2019 we had deferred 2 payments so I sent our last payment XX/XX/2019. After calling numerous times we were then told that we still owed XXXX dollars. So we got to checking our payment history I called Dietech and ask what the insurance was for and was told it was because we did not have Homeowners Ins. I sent proof we had never had a lapse in coverage and that they had taken out over XXXX dollars for insurance but as of today they still will not release our deed.The first page I sent is from our attorney to them, the second is showing the letter from there attorney showing we had no reagages and were up to date then the third is from Dietch and the last three are showing just some of the pages where they charged us ins.
Product: Student loan

American Educational Services has failed to help FFEL borrowers during the COVID 19 crisis. They only offer forbearance where interest will accrue and be capitalized. FFEL borrowers not at fault that our federal loans were sold to private lenders. Other companies such as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX of the State of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) have done the fair thing and suspended payments automatically. American Educational Services ( AES ) putting profits in front of people.
Product: Debt collection

XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed transunion, XXXX and XXXX of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent 4 sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.
Product: Credit card or prepaid card

XX/XX/2022 XXXX XXXX transferred certain accounts to GM Marcus Cards. A closed account, I do not have the card for, that to my knowledge has had no balance for years was transferred. GM Marcus refuses to show me the purchases the card supposedly has on it. They can not provide evidence that the purchases are even mine. I am an XXXX XXXX XXXX XXXX XXXX XXXX. All my accounts are on auto-pay ; my other XXXX XXXX has auto-pay on it and purchases I can verify are mine. GM Marcus claims they do not need to provide me the purchases from vendors with dates because the closed account was on auto-pay. I have tried several times to work out a solution with the via the XXXX XXXX XXXX GM Marcus keeps giving the same answer and calling me nonstop to pay them. They are damaging my credit. I am not paying on something that appears to be fraud to me. They will not investigate as fraud. I have tried to get them to ; they are firm on the auto-pay that shows no purchases from vendors or dates. Their behavior is predatory and unethical.
Product: Debt collection

Dear SELF/LEAD BANK ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXX BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX '' - ORIGINAL CREDITOR WAS XXXX AN XXXX XXXX BALANCE WAS XXXX $ XXXXTHE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I have been mailing out letters to the credit bureaus about inaccurate information I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. Section 611 ( a ), clearly indicated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated above. I can't tell you how stressful this has been to me and I urge you to PLEASE assist me and resolve this once and for all. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX XXXX  Highest Balance {$17000.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX, Balance {$140.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX XXXX Highest Balance {$530.00} ), XXXX XXXX ( Opened XXXX XXXX XXXX Balance {$180.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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: Mortgage

My monthly loan payment was made on time via XXXX XXXX automatic electronic bill pay. See attached proof of payment. Payment was then returned by LoanDepot with absolutely no explanation. Customer service was completely useless and routed my calls to a collection department who were unable to answer any questions as to why my payment was returned. Late fees were assessed as well as false credit reporting for non-payment. Customer service was contacted multiple times and were completely useless, unable to provide any information as to why my payment was returned, wasting a few hours of my time over multiple attempts to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the same accounts were erroneous. XXXX and TransUnion are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}
Product: Debt collection

First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a wrongful submitted medical bill sold to a 3rd party collection due to XXXX not billing XXXX code correct.
Product: Debt collection

two years ago, I went to XXXX XXXX XXXX for a XXXX XXXX. Someone at the hospital put in incorrect billing information at the time. I had insurance that was taken and covered the hospital visit, but the insurance information was never applied to the physician's visit (insurance covered the hospital bill but not the specific physician bill). I had been on contact with hospital billing for a few months after the visit to attempt to get them to apply my insurance information correctly when it resulted in a $XXXX bill I should not have had to pay, but every few months the bill would come back as the hospital never fixed the error. They sol the debt to a collections agency, and every few months since the incident I get a bill from them and have had to try to get insurance or the hospital to step in. My appeal to my insurance was denied due to the time passed, and collections are still continuing to try to collect on a debt that should have been covered by the insurance I pay for. I am now at a loss for what to do- it is negatively impacting my credit score, insurance will no longer pay it, it is out of the hospitals hands and collection agencies don't care that this was due to a billing error I had no control over. I would like to find out what my options are to resolve this. Thank you.
Product: Credit card

I have been having ongoing problems with my credit cards at Wells Fargo. Cards not being sent to right address, fraudulent charges, etc. 

This past XXXX and XXXX, my card was charged for XXXX at XXXX, and then XXXX for XXXX, XXXX, and XXXX. I have had no luck contacting any of the businesses due to " privacy concerns ''. I have filed a police report and have asked Wells Fargo to reopen the case.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} Date Opened XXXX XXXXXXXX, XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3800.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance 0 I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

sunrise bank self lender date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I paid {$580.00} to pay off a credit card balance. BANK OF AMERICA BILLED ME 4 TIMES. YES, 4 TIMES {$580.00} I have tried since day XXXX of the problem to contact and resolve the matter. They are non-respondent. XXXX Bank to say the least!!! They refuse and will not show proof they refunded the {$580.00} 3 times as they legally should have. Instead, they ignore me and will not do their job ethically. I ONLY OWED {$580.00} XXXX TIME NOT 4 TIMES!!!! I AM TIRED OF THEM STEALING MONEY FROM MY BANK ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.