23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I selected to engage in a forbearance prior to my son 's birth in XX/XX/XXXX. After my son 's birth and my maternity leave I wanted to resume making loan payments, however I have been engaging in almost 2 years of attempting to apply for a REPAYE plan and despite contacting FedLoan Servicing on a nearly monthly basis my application for this plan have been denied. I have wasted months of forbearance while awaiting my approval for the REPAYE, which I have been told over and over again I qualify for. Every time I speak with a customer service representative I receive misinformation, erroneous information, differing suggestions about how to apply, and confusing directives about the certification process. My most recent application was denied due to missing tax returns ( which were in fact included and were sent via fax ) along with a need for verification regarding a name change. I have been making payments since my husband and I were married in XX/XX/XXXX and this is the first time I have been asked to provide information proving my identity, as a result of a name change. This saga with FedLoan servicing has been ongoing since they began managing my student loans. I am disappointed that with such a significant financial burden I continue to receive the " run around '' regarding certification and eligible payment plans until I qualify for Public Service Loan Forgiveness.  It is critical to note that I am state employee employed as social worker and would absolutely qualify in 3-6 years, had I not been forced to utilize forbearance while FedLoan continues to mistakenly deny my request for an Income Driven Repayment. I am incensed and disillusioned by the behavior and incompetency of FedLoan Servicing, which is well documented and continues to go unaddressed.
Product: Debt collection

This alleged debt isnt mine. After asking for validation of debt the a letter displayed a different owner who is is not me. 

Radius Global Solution stated the information was accurate but the name on alleged debt isnt me. 

Amount of Debt : {$260.00} Original Creditor : XXXX & XXXX
Product: Checking or savings account

XXXX XXXX, 2021 Dear Sirs : During a telephone call on XX/XX/2021 from an individual stating that he represented XXXX, I gave out my XXXX XXXX drivers license info. The individual claimed that he was investigating possible fraudulent upcoming charges on my XXXX account for an XXXX product. 

After giving a scan of my XXXX drivers license, I finally became very suspicious of the caller and ended the call. No phone number appeared in recent calls on my XXXX. 

The " XXXX '' individual claimed that there were attempts to use my XXXX account in XXXX XXXX XXXX XXXX. The amount was a pending XXXX product for {$1200.00}. 

My wife and I will be moving to XXXX is about one week. I am not sure that issuing a new XXXX  drivers license makes sense. 

My current XXXX XXXXXXXX drivers license number is : XXXX XXXX. 

Please retain this information for any fraudulent use of my XXXX drivers license. 

I have contacted the Washington State Dept. of Licensing, my bank -- USAA and changed my XXXX password. When I place an order on XXXX I charge the purchase to my USAA checking account or my USAA debit card. 

I don't believe that I gave out additional information. However, the individual may have had software that I believe allowed him to see my home screen on my XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX CRED Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my account.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified unauthorized credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to respond to remove error reporting XXXX XXXX  XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Transunions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Transunion is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Transunion violating my federally protected consumer rights. To add to this, I did NOT give Transunion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 

It is clear that Transunion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.
Product: Debt collection

I do not knowledge these hard inquiries on my 3 bureaus ' credit reports and kindly want them removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a balanced due to a doctor the balanced was discharged with my bankruptcy which was filed in XX/XX/XXXX and discharged XX/XX/XXXX. The account was transferred to XXXX and XXXX XXXX XX/XX/XXXX. I advised the company it was discharged during bankruptcy procedure. XXXX and XXXX XXXX continue to pursue this payment and has posted it on my credit report. I have been disputing this company since XX/XX/XXXX with the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report it was brung to my attention i have a account with discover upon contacting them and asking them to validate this account as mine and as me being legally responsible to pay this debt. i was informed it wasnt my account and my social was pulling as a authorized user
Product: Credit card

Capital ome charge high interest rates in late payments and high interest rates to open up an account for people who are trying to build credit it was use to be a failure to those who couldn't afford the interest rates but wanted to build credit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no idea what this is for! I see an old employer and my current on situation. If I do owe I would pay but 1st no idea what this is for and 2nd taking 25 % is ridiculous I mean specifically in today 's economy. But again have never herd anything about this .... at least that I know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, Experian, and XXXX has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX XXXX XXXX was dismissed in Magistrate Court of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,
Product: Debt collection

I have never had any business with Portfolio Recovery Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this supposed debt or to have it removed from my report. I have not received validation and verification in the form of any acceptable document. I have two unverified accounts reporting on my credit reports from Portfolio Recovery Associates.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt you claim I owe. I continue to request that PRA provide verification of the following : the original Application or contract with my signature and an itemization of the costs, including an accounting, for all purchases, charges, interest, or other fees placed on these accounts that you claim I owe. Sending a copy of a billing statement does not constitute verification of the account or demonstrate in any way that I am responsible for these accounts. Please provide an original consumer contract. Copies of old billing statements do not constitute verification or my signature. I am enclosing a copy of the billing statements PRA considers verification.
Product: Mortgage

1 ) SSN wrong on XXXX documents. When asked about this they said it would be " OK '' because they were preliminary docs and would be changed. However, they were n't until after I received a letter from the IRS requesting additional information. 
2 ) Appraisal submitted w/o review from underwriter with errors such as claiming the townhouse was an detached property. 
3 ) Loan application submitted after new guidelines were introduced even though they had all of my information since XXXX 2015 and had been under contract since XX/XX/XXXX4 ) XXXX loan docs submitted w/ errors ( i.e. closing costs, HOA fees ) 5 ) Never addressed any of my questions regarding the numbers..ever. Only skirted around questions but never addressed6 ) Attempted to increase the Appraisal costs at closing7 ) Diminished the errors by calling them minor ( on several occasions ) to me the client instead of acknowledging and apologize their mistakes.
Product: Student loan

I have made 120 payments on my PSLF Loan. I called in early XXXX to clarify the process for applying for forgiveness. 

First they told me to complete the form online. The form wouldnt allow me to complete it online because it kept saying I hadnt made 120 payments even though I had. The agent told me to keep refreshing and trying to submit but it never worked. They then advised me to submit the form manually. 

They told me once I submitted the form, my account would be placed i to forbearance while my payments and forgiveness application was being reviewed. 

Three weeks later I received an email that my XXXX payment was due soon. I sent a message and got no reply so I called again. 

This time I got completely different information. I was told I just have to keep paying my bills because it would be 57 business days before they even look at my form. I explained that this was quite different than what I had been told previously and got no attempt to assist or further explanation. 

I had not financially planned to have to keep paying this bill for potentially 3 more months as I was given what now seems like false information. This company needs to be held accountable for their service and process paperwork in a more reasonable timeframe as well as ensure accuracy and consistency In messaging.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters on XX/XX/2022 to creditors and TransUnion to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from TransUnion. I have then sent the second letter on XXXX to creditors and TransUnion warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to service.transUnion.com I see that TransUnion opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to TransUnion on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- XXXX XXXX / Acct # XXXX 2XXXX XXXX  / Acct # XXXX 3XXXX XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5XXXX XXXX / Acct # XXXX 6XXXX XXXX / Acct # XXXX 7XXXX XXXX / Acct # XXXX
Product: Credit card or prepaid card

I signed up an Amex XXXX  XXXX credit card with a welcome bonus of XXXX MR poitns after spending {$6000.00} within 6 months plus 10X restaurant MR bonus. However, recently an AMEX representative declined my welcome offer stating that, they popped up a warning window during my application saying 'based on my history of AMEX , I am not eligible for the welcome offer. And because I proceeded with the application, they now decline my welcome bonus offer. I am disputing this for the following reasons : 1. I did not see such a warning popped up during my application! I am aware of AMEX rule about the popup window, but I did not see it. It may be the system 's error that did not popped the warning. 2. I have a good history with AMEX. I have a lot of organic spending using AMEX cards, and I have never closed a single AMEX card. I don't understand why AMEX claimed my history was bad so they do not offer the welcome bonus offer to me.
Product: Credit reporting or other personal consumer reports

Innovis company has gather the wrong information of accounts as this one with XXXX and has let to update the said account. 

As wrong phone numbers addresss it appears Innovis has incorrect info on credit report that gathers information.
Product: Credit card or prepaid card

Well a couple of months ago synchrony Bank issued a CareCredit for a dental work and I was approved instantly for a {$2000.00} credit limit I had made a couple of payments in the same month and for this reason on my next payment date I didn't make a payment since I had made one earlier the prior month so synchrony Bank said that I missed a payment which I didn't I had just paid a few weeks early and they said that when that happens they apply all payment 's made in a billing cycle it counts as one payment and I said well I am not aware of your in-house policies so they took off the late charge and the Miss payment charge and brought my account current however they lowered my credit limit to {$1000.00} which had me over my credit limit which made my credit score go down once it was established that synchrony Bank had made a mistake they corrected what was wrong on my credit report but they did not raise my credit limit back to XXXX  so the lower credit limit affected my credit score negatively. I only think it's fair since I didn't make a late payment or miss payment which synchronize Bank letter stated as to why they chose to lower my credit they should raise my credit limit back to XXXX
Product: Payday loan, title loan, or personal loan

I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX   continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX  to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$8400.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, [ Equifax ] failed to conduct a thorough investigation and the disputed account remains on my credit report.

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Sincerely, XXXX XXXX XXXX XXXX