23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I, like many others with student loans, was not able to handle my payments so I called Navient to help with this issue. They offered me the option of the " forbearance '' program which would allow you to not make any payments for a certain amount of time and then your payments would be reduced based off your income. Once the forbearance period was over, I would start paying again. I was not given any information that my principal loan amounts would accrue interest during this period time of forbearance. I was under the assumption that every thing had halted once I was in this forbearance period. Now thinking back on it, it makes me realize that this deal was way to good to be true. Nothing comes for free in this world, but I was not notified. I saw that the CFPB filed a lawsuit against Navient recently regarding this same issue of forbearance and posted about it on their website stating that " ... the Bureau believes that Navient steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges ... ..The Bureau believes that a large portion of these charges could have been avoided had Navient followed the law. '' I posted the link below. 
http : //www.consumerfinance.govXXXX I realize that this is still a pending lawsuit, but I wanted to make known to the CFPB that I was XXXX of those millions of students steered in the wrong direction trying to responsibly handle my outstanding debt. Please let me know what you need from me if anything. I am willing and happy to help with any documentation or explanation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX under XXXX XXXX 

Despite multiple requests for correction XX/XX/year> and XX/XX/year>, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Both XXXX and XXXX removed the late payment from my credit report after confirming it was incorrectly reported by XXXX XXXX. However, TransUnion continues to report it inaccurately, negatively affecting my credit score.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 

XXXX Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction.
Product: Checking or savings account

On XX/XX/XXXX, I identified XXXX different unauthorized transactions for just under {$5000.00} each made within the last week. Both transactions were titled as " XXXX XXXX ''. I immediately called Wells Fargo to dispute the transactions and file a claim. Banking associates identified both transactions as happening through a service called XXXX, which I have never used. Banking associates declined to cancel the transactions as they were still pending, but went forward with an investigation. My claim was eventually denied, and the bank told me they believe the transaction was completed by me or authorized by me. Following the date of these transactions, I have tried to make an account with XXXX to find out about these transactions but I could not find a record of them. XXXX has provided me with a written document corroborating that there was no record of an account with my name or banking information at the time of these transactions. 

On XX/XX/XXXX, I also received by mail a notice of a data breach from XXXX XXXX, wherein it details that my personal information, including banking information, was compromised at some point in late XXXX this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon conducting a personal credit reporting review, I noticed that a company named CRECO conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

CREDCO conducted unauthorized credit check for the following dates :XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/2020.
Product: Credit reporting

I joined the United States XXXX in XX/XX/XXXX and was XXXX in XXXX. I am from XXXX. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my Equifax and XXXX credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.
Product: Debt collection

Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital
Product: Credit reporting or other personal consumer reports

15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. Synchrony Bank claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did Synchrony Bank interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

SYNCB/MC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of those accponts are not belong to me. am requesting to remove as soon as possible.In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Product: Credit reporting or other personal consumer reports

This is my refilling of this complaint. I am rewriting to complaint to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. I have attached the FTC report with the report number XXXX as a proof that I am serious on this matter.
Product: Credit card

I pay my credit cards off really fast - if I make a charge with one, I'll pay it off within a day or two to avoid interest. Recently, I logged into my new-ish wells fargo credit card account and received the message below : " Error : You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. '' This I believe is a duplicitous way to get credit card customers to open a checking account with wells fargo. It should be illegal for companies to limit the number of payments you can make on an account from an outside checking account. As long as the bill is paid, why would they care which account it's coming from? This is horrible and another example of wells fargo being rotten to customers.
Product: Credit reporting or other personal consumer reports

Navy Federal has been unprofessional at best. I resolved my debt with them through a debt settlement company. Navy Federal then agreed to remove themselves from my credit report only for me to discover this was a lie. Anytime I dispute the matter they tank my credit score. Much like they did yet again this week for XXXX points
Product: Debt collection

XXXX collection agency sent me a letter received XX/XX/18 in response to a validation of debt letter. The company was unable to validate the debt but stated in the letter they will no longer respond to my requests. There is no attached contract or validating documents to support this debt being mine or that I owe it. I sent a validation request the first week of XXXX and their response is XXXX will now cease further communication with you regarding the account. 

Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.
Product: Debt collection

This is the latest of about XXXX Companies wanting to collect money from a " XXXX XXXX ''. The calls have been occurring about every 4-6 months since 2011. There is no XXXX XXXX at this address/phone number. We have turned in XXXX other fake Company in the past because they started using threatening language. Please shut these guys down- they will never get money from us. They are simply annoying now.
Product: Credit reporting, credit repair services, or other personal consumer reports

they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Product: Credit reporting or other personal consumer reports

Yesterday XXXX and XXXX informed me of several credit inquiries on my credit report that were not me. So I am going through the process of disputing them now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complain for same issue since last 5 months. The issue is going on with 9 Months and evetime XXXX  XXXX say they never reported it and every time credit XXXX says its XXXX  XXXX who has reported it. 

I am attaching screenshots from previous complain where i stated XXXX  XXXX  lied in CFPB platform and saved their company and ruined my credit profile and haraased me for 9 months. I need a final help from Govt body and truth and who ever has done is should be accountable this time. 

I filed a dispute today XX/XX/XXXX as their report says late payment reported by XXXX  XXXX  with Transunion with dispute number XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached letter, subject : Statement of Credit Denial, Termination or Change, dated XXXX from Uprova Credit , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. It states that my request for a loan for {$500.00} was denied. I never did business with this company and did not apply for any loan from them.
Product: Mortgage

I have paid off my mortgage and this company has made several errors in applying my payment and despite my numerous escalations and requests the account has not been corrected. the correct payoff amount has not been provided despite numerous requests and the company keep referring me to online payoff amount which is absolutely wrong since my payments have not been applied correctly. 
I have requested transaction history and they can not provide me with detailed history that shows proper information that would be useful to me to see how this company has applied my payments. 
Based on this companies rules, I should receive the satisfaction letter within 10 days of paying off the account ; however, due to the mess in their systems they will not be able to do so. I am applying for Equity line of credit and need to show that the house is paid off but I am not able to proceed due to this mess this company is a collection agency in nature and do not have proper infrastructure to manage mortgages and they have bought my mortgage from XXXX  XXXX and now I am in the middle this frustration. the staff treat us as if they are collecting unpaid money. they are very rude, totaly lack knowledge and expertise and they are totally disrespectful to customers. there are numerous lawsuits against this company that would really need your oversight on their performance.
Product: Credit reporting or other personal consumer reports

ALL these addresses are incorrect and never belonged to me. 
XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to purchase concert tickets through someone I met on social media ( XXXX user @ XXXX, email addresses XXXX, XXXX, XXXX, XXXX ) on XX/XX/2019. She made everything seem very valid, and I sent her 2 transactions of {$200.00} each ( {$400.00} in total ) through XXXX and Bank of America after XXXX failed to send transactions for no valid reason. She of course turned out to be a scam. This person disappeared and blocked my social media account. I called Bank of America on XX/XX/XXXX to see if they could come up with a solution, and the most they could do was open up an investigation since XXXX has no fraud protection. The only way I would get my money back is if the perpetrator agrees to release the funds from their account to give my money back, but the odds of that happening are clearly slim. I've requested the funds on XXXX  again to give them a chance before getting more serious with this issue, and of course, this person declined to return my money. I would really appreciate any help I can get.
Product: Mortgage

Since XX/XX/XXXX I was offered an option to postpone payments due to pandemic. I accepted a six month extension which expired in XXXX. Since XXXX I have been attempting to process this loan modification documents with no success. Every time we submit documents, there is always a discrepancy found. Either a missing signature, we did not sign correctly and so on. They were kind enough to send their notary public and still the documents were declined. Up to this day XX/XX/XXXX we are still waiting for approval of these documents.
Product: Checking or savings account

I deposited a check in excess of {$48000.00} and the bank held check in its entirety stating it was based on my balance of $ XXXX dollars. Which having worked in banking I knew was not correct. I contacted bank branch manager to have him release check as it was from a trust account of a local attorney and from another local bank. I inquired why he didnt contact the other branch to verify funds and branch manager stated it was HIS discretion as to whether he released the monies. I said well you have the ability to do so. Again he mentioned my balance as his reasoning as why not to release. When I inquired who I could file a complaint with he said I couldnt. There wasnt anyone however he would file the complaint on my behalf. How would he have known what my complaint was in full??? I am beyond frustrated and when asked could I just close my account he said in a 12 days when the funds are fully available. The check has already cleared my attorneys bank and at this time I feel as though my own bank is simply holding the funds to get the interest from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The 3 credit bureaus must verify this account : XXXX XXXX XXXX XXXX : {$4000.00}
Product: Vehicle loan or lease

The attached documents are exact words/ definitions and details regarding Right of Rescission copied and pasted from the GOVERNMENTAL WEBSITE ITSELF CFPB and other. Exeter is trying to deny me of my right to rescind stating it does not provide for a right to rescission for indirect auto sales finance contract which indeed is FALSE. I have attached definition and the exempt transactions and that does not apply to me and my contract. They also feel as though the right of rescission only applies to mortgage refinance or home equity line of credit as stated in their response. Saying that documentation I am providing is false or inaccurate is also saying the CFPB is false and inaccurate. I would also like to mention how Exeter Finance have neglected to give a sufficient response to my Affidavits point for point by affidavit as they are required to do so. They have ignored my concern regarding billing error, did not send documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate record, without providing all of these the error cant be clarified or resolved. The account should be placed on hold from collection pursuant 12 CFR 1026.13d ( 1 ) which is my right as a consumer and they are prohibited from reporting adverse credit reports pursuant 12 CFR 1026.13d ( 2 ). Once again I am requesting all funds paid to Exeter be returned to me by form of a check, the title to my 2014 XXXX XXXX, and removal from my credit report. If Exeter Finance continues to violate and deny me of my consumer rights I will be moving forward to arbitration to get this matter resolved.
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 Report. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period.
Product: Credit reporting, credit repair services, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. Thank you.