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

My credit report shows that co-guarantor on a loan from NAVIENT. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from NAVIENT was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from NAVIENT and have requested a copy of the fully executed loan agreement with NAVIENT that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.
Product: Credit card

I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.
Product: Student loan

I submitted my PSLF information a few months ago, along with my application to actually have my loans forgiven, and the decision has been held up due to clerical errors on the part of the lenders ( currently MOHELA as well as the former provider ). My employer of the last 9 years has been incorrectly named in their files and the issue is causing my employment to not count for certification. I am a XXXX XXXX in a XXXX XXXX XXXX, and am in my XXXX year at the XXXX XXXX. I was in other schools previous to this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2002, i sent a letter to TRANSUNION, XXXX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX- It got Credit report from " Experian " that contain one out of 4 names.
wrong. They told me to contact XXXX XXXX XXXX XXXX, who reported that information.
2. When I called Experian, they me told me that name was provided by XXXX XXXX XXXX XXXX and that modification can only requested by XXXX XXXX XXXX XXXX only..
3. When filed dispute with them, on XX/XX/XXXXXXXX XXXX XXXX XXXX, conveyed me to call their Phone XXXX 4. I have been have been in communication with XXXX XXXX XXXX XXXX number of times, since XX/XX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XX/XX/XXXX, as requested by XXXX XXXX of XXXX XXXX XXXX XXXX 's president 's office.
5. When called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX PST, they told me to call again Experian tel # XXXX.
6. I called Experian tel # XXXX.on XX/XX/XXXX at XXXX XXXX PST, they told me that there has been only one updated from XXXX XXXX XXXX XXXX on XX/XX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by XXXX XXXX XXXX XXXX only, This is very stressful for a person who is XXXX years ... ..
Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..
Product: Debt collection

I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.
Product: Credit card or prepaid card

PayPal is nothing more than a criminal organization that rips people off on a daily basis. To be charged {$200.00} to RECEIVE a PayPal payment makes no sense at all. For {$200.00}, I would expect someone to hand deliver green cash to me by car from 50 miles away. It makes absolutely no sense.

There may not be anything more important to be active and VOTE about than this financial criminal activity. We all sit around on our non-political XXXX and let legislature get passed that allows this predatory activity to continue day after day. 
Say NO to PayPal! 
Write your congresspersons and INSIST that caps be put on these fees! 
Think about it. 
Receiving {$100.00} from a company costs the receiver around {$3.00}. Theres no way in XXXX receiving {$5000.00} should cost PayPal ONE CENT MORE. Its the same exact, automated process!! 
Few things in the world make me more angry.
Product: Checking or savings account

Recently Wells Fargo announced that their clients may be affected if they have an account with them from XXXX until XXXX. During that time Wells Fargo may charge the wrong fee or interest in your account. I have a Wells Fargo account since XXXX and I would like to know if my account has been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I moved residence and contacted XXXX XXXX to move service to my new residence. XXXX XXXX services were not available at my new residence, so I attempted to cancel my services and close my account with XXXX XXXX. My account was not closed and I continued to be billed months after I moved. Eastern Account System reported this account on my credit report under collections. I attempted to dispute this account through XXXX but the account was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from XXXX  and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The BANK OF AMERICA ( ACC NO : XXXX ) and XXXX XXXX XXXX  ( ACC NO : XXXX ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, XXXX  reinserted the fraudulent accounts after two months without notifying me.
Product: Debt collection

i was victim of dentity theft. the information listed below, wich appears on my credit report, does not related to any transaction that I have made. 
this is the result of identity theft.
Product: Debt collection

XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX  XXXX  when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX  XXXX  XXXX  with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.
Product: Credit card

I have contacted you before in reference to wrongful interest charges on my account. This has been resolved but ever since they re-opened my card account they stopped sending me statements. I had no idea when my payment was due until i received an email stating it was late and they would charge me a fee! 
now i have been charged with TWO late payment fees that i was NEVER told about. Top it off my min payment went from XXXX to XXXX to XXXX a month how does it jump like that?!!?! 

the promotion is supposed to be INTEREST FREE and i am getting billed for interest as well! 

i demand my fees returned and my min payment to be back to XXXX i can not wait to pay this ridiculous bank off and never ever deal with them again worse customer service ever
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am unfamiliar with this agency, as I have never entered into any agreement with them. I requested evidence of an assignment contract or any documentation that I have signed any agreement with this company. 

I have not been supplied with any proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assumed no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to any credit reporting agency, nor the collection company to furnish this fraudulent account on my consumer report ; I sent a dispute to both XXXX and Amsher collection agency and it was marked as verified and accurate by XXXX but they improperly did the investigation of verifying the dispute.They never notified me { the original creditor } to get verification of accuracy.so im not understanding why the account was not removed from my consumer report. I have been in distress due to the fact that I have been getting denied for all credit related things such as apartments and credit card loans. This has brought defamation upon my character to these financial institutions resulting in anxiety in regards to my mental health as well as my living situation.
Product: Credit reporting

I wrote Transunion and XXXX of my credit report and it was returned to me. I noticed several items that were on both credit bureaus that had a XXXX balance. Their is no reason in rubbing my face in the mud to the point I CANT get any type of credit and it saying on my report for 7 years. I do not owe these people and I have also went online and disputed every single one of them. If their is no balance why ruin me anymore. I am asking this be investigated and removed. Their is things on my report every since 1991. I Appreciate your help in this matter. THANKS XXXX
Product: Credit card or prepaid card

purchased few gift cards on XX/XX/XXXX. When opening the package it turned out that 4 digits of the cad number had been manually removed ( probably by a scammer ) and the magnetic stripe somehow deactivated which prevented me to use the card. 

Fortunately I noticed it really fast and was able to call the number on the back of my card to ask gift card issuer to immediately block my card and send me another one. 

It has been almost 3 months now, and I haven't received anything nor they have replied to any of my follow up emails
Product: Mortgage

On XX/XX/XXXX, I submitted a mortgage payoff in the amount of {$290000.00}. Mr. Cooper/Nationstar Mortgage acknowledged the payment was received on XX/XX/XXXX. This payoff included interest for the entire month of XX/XX/XXXX. Accordingly, we are due back 20 days of interest ( for the period of XX/XX/XXXX to XX/XX/XXXX ). 

Mr. Cooper/Nationstar Mortgage had provided us a payoff quote. The payment of {$290000.00} was calculated as follows, per their quote : {$290000.00} -Balance due through XX/XX/XXXX. 
{$110.00} -Late Charge per quote if paid after XX/XX/XXXX. 
{$2100.00} -Additional full month of interest if paid after XX/XX/XXXX. 

{$290000.00} -Total submitted on XX/XX/XXXX. 

We are due back {$1300.00} for the overpayment of 20 days of interest : {$2100.00} ( interest for full month of XXXX ) 31 days = {$68.00} ( Daily interest charge ) ; 20 days X {$68.00} = {$1300.00} ; To avoid any confusion, please note I have received two checks from Mr. Cooper ; neither of which included the interest charges due back to us : {$3300.00} -Mortgage escrow balance. 
{$110.00} -Refund of late fee : fee was submitted per payoff, but funds were sent to Mr. Cooper within the grace period. 

I am therefore requesting the interest due back to us in the amount of {$1300.00}. I have contacted Mr. Coopers customer service line twice ; the first call was on XX/XX/XXXX. Both times I was told someone would return my call after looking into the matter. To date, no communication has been received.
Product: Mortgage

I was on the COVID 19 plan with NEW REZ MORTGAGE. I was on forebearance plan for XXXX XXXX AND XXXX. 

They reported me late for XXXX AND XXXX and my credit is destroyed. I was told and all the information available says that ANYONE that is on CORONVIRUS forebearance can not have derogatory credit showing they are late. 

Well my credit report is showing that I am late. I need these late payments removed. I am not late, nor was I late based on the COVID 19 agreement. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the company to remove the unauthorized inquiries in my credit report.
Product: Mortgage

Mr. Cooper transferred my loan servicing to XXXX XXXX XXXX XXXX and did not give me 15 days of notice. 

Their notice is dated XX/XX/XXXX, with an effective date of XX/XX/XXXX.
Product: Credit card or prepaid card

Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} The Credit bureaus stated XXXX Account # XXXX, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. This ground for removal. 
They also they violated my rights under 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute.

They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer They also violated my rights under 15 USC 1666 ( ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. 

In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? 

I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? 

Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. 

This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, XXXX, and equifax, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. 

This account is intentionally destroying my credit file. 

I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX  ) destroy my credit worthiness by reporting inaccurate unverifiable information.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022